# EDGAR Filing Document

**Accession Number:** 0002118887
**File Stem:** 0001213900-26-043515
**Filing Date:** 2026-4
**Character Count:** 4752722
**Document Hash:** 648e793a15d51b3d69c2f64451a0a9a3
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-043515.hdr.sgml**: 20260414

**ACCESSION NUMBER**: 0001213900-26-043515

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

**PUBLIC DOCUMENT COUNT**: 74

**CONFORMED PERIOD OF REPORT**: 20260414

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

**FILED AS OF DATE**: 20260414

**DATE AS OF CHANGE**: 20260414

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2026-NQM2, LLC
- **CENTRAL INDEX KEY:** 0002118887

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08458
- **FILM NUMBER:** 26860777

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2026-NQM2, LLC
- **CENTRAL INDEX KEY:** 0002118887

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

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

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2026-NQM2, LLC
- **CENTRAL INDEX KEY:** 0002118887

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

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

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

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

OMB Number: 3235-0675

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

**<u>PRP DEPOSITOR 2026-NQM2, LLC</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0002118887</u>

PRPM 2026-NQM2 Trust

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

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

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

Jim Barrons, (602) 802-8305

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

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

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

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

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | PRP DEPOSITOR 2026-NQM2, LLC | PRP DEPOSITOR 2026-NQM2, LLC |
| Date: April 14, 2026 | By: | /s/ Jeff Padden |
|  | Name: | Jeff Padden |
|  | Title: | General Counsel |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC Diligence, LLC Narrative](ea028620601_ex99-1.htm)

[Schedule 1 – Data Compare Report](ea028620601_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](ea028620601_ex99-1sch2.htm)

[Schedule 3 – Rating Agency Grades](ea028620601_ex99-1sch3.htm)

[Schedule 4 – Valuation Summary](ea028620601_ex99-1sch4.htm)

[Schedule 5 – Supplemental Data](ea028620601_ex99-1sch5.htm)

[99.2 - Third Party Due Diligence Report – Canopy Financial Technology Partners LLC Diligence Narrative](ea028620601_ex99-2.htm)

[Schedule 1 – ATR OR QM Report](ea028620601_ex99-2sch1.htm)

[Schedule 2 – Data Compare Report](ea028620601_ex99-2sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea028620601_ex99-2sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea028620601_ex99-2sch4.htm)

[Schedule 5 – Valuation Report](ea028620601_ex99-2sch5.htm)

[Schedule 6 – Supplemental Data Extract](ea028620601_ex99-2sch6.htm)

[99.3 - Third Party Due Diligence Report – Clarifii LLC Narrative](ea028620601_ex99-3.htm)

[Schedule 1 – ATR OR QM Report](ea028620601_ex99-3sch1.htm)

[Schedule 2 – Data Compare Report](ea028620601_ex99-3sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea028620601_ex99-3sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea028620601_ex99-3sch4.htm)

[Schedule 5 – Valuation Report](ea028620601_ex99-3sch5.htm)

[Schedule 6 – Supplemental Data Extract](ea028620601_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report – Clayton Services LLC Narrative](ea028620601_ex99-4.htm)

[Schedule 1 – Rating Agency ATR QM](ea028620601_ex99-4sch1.htm)

[Schedule 2 – Conditions Detail](ea028620601_ex99-4sch2.htm)

[Schedule 3 – Loan Grades](ea028620601_ex99-4sch3.htm)

[Schedule 4 – Loan Level Tape Compare](ea028620601_ex99-4sch4.htm)

[Schedule 5 – Non ATR QM](ea028620601_ex99-4sch5.htm)

[Schedule 6 – Standard Upload](ea028620601_ex99-4sch6.htm)

[Schedule 7 – Valuations Summary](ea028620601_ex99-4sch7.htm)

[Schedule 8 – Waived Conditions](ea028620601_ex99-4sch8.htm)

[99.5 - Third Party Due Diligence Report - Consolidated Analytics, Inc. Narrative](ea028620601_ex99-5.htm)

[Schedule 1 – Data Compare Report](ea028620601_ex99-5sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea028620601_ex99-5sch2.htm)

[Schedule 3 – RA Grades Summary Report](ea028620601_ex99-5sch3.htm)

[Schedule 4 – Valuations Report](ea028620601_ex99-5sch4.htm)

[Schedule 5 – Supplemental Report](ea028620601_ex99-5sch5.htm)

[99.6 - Third Party Due Diligence Report – Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions Narrative](ea028620601_ex99-6.htm)

[Schedule 1 – Exception Report](ea028620601_ex99-6sch1.htm)

[Schedule 2 – Final Tape Compare](ea028620601_ex99-6sch2.htm)

[Schedule 3 – QM ATR Report](ea028620601_ex99-6sch3.htm)

[Schedule 4 – Rating Agency Grades Report](ea028620601_ex99-6sch4.htm)

[Schedule 5 – Valuation Summary Report](ea028620601_ex99-6sch5.htm)

[99.7 - Third Party Due Diligence Report – Maxwell Diligence Solutions, LLC Narrative](ea028620601_ex99-7.htm)

[Schedule 1 – Grading Report](ea028620601_ex99-7sch1.htm)

[Schedule 2 – Standard Exceptions Report](ea028620601_ex99-7sch2.htm)

[Schedule 3 – Supplemental Data](ea028620601_ex99-7sch3.htm)

[Schedule 4 – Valuation Report](ea028620601_ex99-7sch4.htm)

[99.8 - Third Party Due Diligence Report – Selene Diligence LLC Narrative](ea028620601_ex99-8.htm)

[Schedule 1 – Data Compare Report](ea028620601_ex99-8sch1.htm)

[Schedule 2 – RA Grades Summary Report](ea028620601_ex99-8sch2.htm)

[Schedule 3 – Standard Findings Report](ea028620601_ex99-8sch3.htm)

[Schedule 4 – Valuation Report](ea028620601_ex99-8sch4.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by PRP-Annex VI AIV, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from October 2021 through February 2026 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (56 loans), and Business Purpose Scope (76 loans). The loans reviewed using the Credit and Compliance Scope, Business Purpose Scope are together referred to as the mortgage loans.

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

The initial population consisted of 132 mortgage loans.

The final population of the Review covered 132 mortgage loans totaling an aggregate original principal balance of approximately $52.706 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 Borrowers | &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;1003 - Originator Name | &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Origination Company Name |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Originator Application Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Qualifying Interest Rate |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Standard - Interest Only Period (months) |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Total Income |

---

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![](ex99-1_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Creditor Application Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original LTV |  |

---

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

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

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

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

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

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

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

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

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

2 \| P a g e

![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

▪ 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.

3 \| P a g e

![](ex99-1_001.jpg)

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

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

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

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

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

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

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

---

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

---

**DATA COLLECTION**

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

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

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

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

4 \| P a g e

![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

---

---

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

---

---

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

---

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

**(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.**

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**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

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![](ex99-1_001.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 AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were one hundred thirty-two (132) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS and Fitch NRSRO grading criteria one hundred nine (109) loans (82.58%) had an Overall grade of "A", and twenty-three (23) loans (17.42%) had an Overall grade of "B". No loans had an Overall grade lower than "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and Fitch Overall Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Overall Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;109 | &nbsp;&nbsp;82.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;17.42% |
| &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;**132** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-1_001.jpg)

**CREDIT RESULTS SUMMARY**

One hundred nineteen (119) loans (90.15%) reviewed received an "A" Credit grade and thirteen (13) loans (9.85%) received a "B" Credit grade. No loans had a Credit grade lower than "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and Fitch Credit Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Credit Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;119 | &nbsp;&nbsp;90.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;9.85% |
| &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;**132** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Seventy-six (76) loans were reviewed under the Business Purpose scope and did not contain a compliance review. After all documents were presented, under the applicable DBRS NRSRO grading criteria forty-six (46) loans (82.14%) had a Compliance grade of "A", and ten (10) loans (17.86%) had a Compliance grade of "B. After all documents were presented, under the applicable Fitch NRSRO grading criteria forty-five (45) loans (80.36%) had a Compliance grade of "A", and eleven (11) loans (19.64%) had a Compliance grade of "B". No loans had a Compliance grade lower than "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Compliance Loan Grades** | &nbsp;&nbsp;**DBRS Compliance Loan Grades** | &nbsp;&nbsp;**DBRS Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;46 | &nbsp;&nbsp;82.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;17.86% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;76 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Compliance Loan Grades** | &nbsp;&nbsp;**Fitch Compliance Loan Grades** | &nbsp;&nbsp;**Fitch Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;45 | &nbsp;&nbsp;80.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;19.64% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;76 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

There were one hundred thirty-two (132) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS and Fitch NRSRO grading criteria all one hundred thirty-two (132) loans (100.00%) had a Property grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and Fitch Property Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Property Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;132 | &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;**132** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-1_001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred thirty-two (132) Loans reviewed, one hundred three (103) unique Loans had five hundred ninety-nine (599) different tape discrepancies across fifty-nine (59) data fields (some Loans had more than one data delta). The most variances were found on Borrowers Last Name, Borrower First Name, Property Type and Note Date.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Borrowers | &nbsp;&nbsp;14 | &nbsp;&nbsp;17 | &nbsp;&nbsp;82.35% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;10 | &nbsp;&nbsp;75 | &nbsp;&nbsp;13.33% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;1003 - Originator Name | &nbsp;&nbsp;16 | &nbsp;&nbsp;17 | &nbsp;&nbsp;94.12% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;7 | &nbsp;&nbsp;66 | &nbsp;&nbsp;10.61% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;102 | &nbsp;&nbsp;9.80% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;60 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;15 | &nbsp;&nbsp;21 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;8 | &nbsp;&nbsp;18 | &nbsp;&nbsp;44.44% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;5.56% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;9 | &nbsp;&nbsp;18 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;9 | &nbsp;&nbsp;18 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;32 | &nbsp;&nbsp;75 | &nbsp;&nbsp;42.67% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;50 | &nbsp;&nbsp;120 | &nbsp;&nbsp;41.67% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;14 | &nbsp;&nbsp;21 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;126 | &nbsp;&nbsp;0.79% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;9 | &nbsp;&nbsp;55.56% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;15 | &nbsp;&nbsp;49 | &nbsp;&nbsp;30.61% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Creditor Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;65 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;18 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;6 | &nbsp;&nbsp;34 | &nbsp;&nbsp;17.65% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;3 | &nbsp;&nbsp;6 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;3 | &nbsp;&nbsp;6 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;132 |

---

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![](ex99-1_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;3 | &nbsp;&nbsp;6 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;4 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;17 | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.44% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;57 | &nbsp;&nbsp;1.75% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;18 | &nbsp;&nbsp;53 | &nbsp;&nbsp;33.96% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;76 | &nbsp;&nbsp;13.16% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;18 | &nbsp;&nbsp;77.78% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;28 | &nbsp;&nbsp;88 | &nbsp;&nbsp;31.82% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;23 | &nbsp;&nbsp;57 | &nbsp;&nbsp;40.35% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;14 | &nbsp;&nbsp;108 | &nbsp;&nbsp;12.96% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;119 | &nbsp;&nbsp;0.84% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;16 | &nbsp;&nbsp;98 | &nbsp;&nbsp;16.33% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;11 | &nbsp;&nbsp;74 | &nbsp;&nbsp;14.86% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;58 | &nbsp;&nbsp;1.72% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Origination Company Name | &nbsp;&nbsp;16 | &nbsp;&nbsp;17 | &nbsp;&nbsp;94.12% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;24 | &nbsp;&nbsp;39 | &nbsp;&nbsp;61.54% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;18 | &nbsp;&nbsp;19 | &nbsp;&nbsp;94.74% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;28 | &nbsp;&nbsp;125 | &nbsp;&nbsp;22.40% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;91 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;12 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;20 | &nbsp;&nbsp;99 | &nbsp;&nbsp;20.20% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Standard - Interest Only Period (months) | &nbsp;&nbsp;14 | &nbsp;&nbsp;17 | &nbsp;&nbsp;82.35% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;126 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;5 | &nbsp;&nbsp;125 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;4 | &nbsp;&nbsp;52 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;8 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;2 | &nbsp;&nbsp;11 | &nbsp;&nbsp;18.18% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;126 | &nbsp;&nbsp;2.38% | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**599** | &nbsp;&nbsp;**2856** | &nbsp;&nbsp;**20.97%** | &nbsp;&nbsp;**132** |

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![](ex99-1_001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;125 | &nbsp;&nbsp;94.70% | &nbsp;&nbsp;$50251625.01 | &nbsp;&nbsp;95.34% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;7 | &nbsp;&nbsp;5.30% | &nbsp;&nbsp;$2454001.72 | &nbsp;&nbsp;4.66% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**132** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52705626.73** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;132 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$52705626.73 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**132** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52705626.73** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;34 | &nbsp;&nbsp;25.76% | &nbsp;&nbsp;$13546413.32 | &nbsp;&nbsp;25.70% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;15 | &nbsp;&nbsp;11.36% | &nbsp;&nbsp;$6418868.00 | &nbsp;&nbsp;12.18% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;63 | &nbsp;&nbsp;47.73% | &nbsp;&nbsp;$25704720.49 | &nbsp;&nbsp;48.77% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;20 | &nbsp;&nbsp;15.15% | &nbsp;&nbsp;$7035624.92 | &nbsp;&nbsp;13.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**132** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52705626.73** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% | &nbsp;&nbsp;$150000.00 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;131 | &nbsp;&nbsp;99.24% | &nbsp;&nbsp;$52555626.73 | &nbsp;&nbsp;99.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**132** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52705626.73** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;75 | &nbsp;&nbsp;56.82% | &nbsp;&nbsp;$29271256.73 | &nbsp;&nbsp;55.54% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.03% | &nbsp;&nbsp;$1330400.00 | &nbsp;&nbsp;2.52% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.52% | &nbsp;&nbsp;$703700.00 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;30 | &nbsp;&nbsp;22.73% | &nbsp;&nbsp;$12185955.00 | &nbsp;&nbsp;23.12% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.52% | &nbsp;&nbsp;$219500.00 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;12 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;$5643150.00 | &nbsp;&nbsp;10.71% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% | &nbsp;&nbsp;$840000.00 | &nbsp;&nbsp;1.59% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.79% | &nbsp;&nbsp;$2035415.00 | &nbsp;&nbsp;3.86% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% | &nbsp;&nbsp;$476250.00 | &nbsp;&nbsp;0.90% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**132** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52705626.73** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;50 | &nbsp;&nbsp;37.88% | &nbsp;&nbsp;$23363672.00 | &nbsp;&nbsp;44.33% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;82 | &nbsp;&nbsp;62.12% | &nbsp;&nbsp;$29341954.73 | &nbsp;&nbsp;55.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**132** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$52705626.73** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| |
|:---|
| ![](ex99-1sch1_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 4/8/2026 3:11:51 PM** |

---

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| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 223812610 | XXXX | XXXX |  | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812610 | XXXX | XXXX |  | XXXX | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 224171221 | XXXX |  |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224171221 | XXXX |  |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 224171222 | XXXX |  |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224171223 | XXXX |  |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224921001 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224921001 | XXXX | XXXX |  |  | Coborrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 224921003 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224921003 | XXXX | XXXX |  |  | Coborrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 224921005 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224921006 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224921006 | XXXX | XXXX |  |  | Coborrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 224921008 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224921008 | XXXX | XXXX |  |  | Coborrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 224990900 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990900 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990900 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance File |
| 224990902 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990902 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224990903 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990903 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990903 | XXXX | XXXX |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224990903 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224990905 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990905 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990905 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction |
| 224990907 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990907 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990909 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990909 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990909 | XXXX | XXXX |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 224990911 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990911 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990911 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224990913 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990913 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224990913 | XXXX | XXXX |  |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 224990913 | XXXX | XXXX |  |  | Coborrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 224990913 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224990913 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 224990949 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 224999411 | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Appraisal STR analysis reflects a NOI of $68,250 / 12 = 5,687.50 less 20% expense factor = $4,550 monthly rent / PITIA $4,360.69 = 1.04 DSCR used |
| 224999412 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 224999412 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225006275 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225006275 | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Income $2,200/Debt $2,153.83 = 1.02 |
| 225006276 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225006276 | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to round off. |
| 225006278 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225006278 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225033632 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 225033632 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed - 5% PPP | Fixed Rate | Verified | Field value reflects source document |
| 225033635 | XXXX | XXXX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225033635 | XXXX | XXXX |  |  | Borrower Current Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225033635 | XXXX | XXXX |  |  | Borrower Current City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 225033635 | XXXX | XXXX |  |  | Borrower Current Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225033635 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Approval/AUS |
| 225033635 | XXXX | XXXX |  |  | Product Description | NANQ / TRID - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 225033635 | XXXX | XXXX |  |  | Universal Loan Identifier (ULI) | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225033636 | XXXX | XXXX |  |  | Borrower Current Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225033636 | XXXX | XXXX |  |  | Borrower Current City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 225033636 | XXXX | XXXX |  |  | Borrower Current Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225033636 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 225033636 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225033636 | XXXX | XXXX |  |  | Product Description | NANQ / TRID - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 225033636 | XXXX | XXXX |  |  | Universal Loan Identifier (ULI) | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225039819 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225060910 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225060911 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225060911 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225060911 | XXXX | XXXX |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value reflects the Approval/AUS in file. |
| 225060911 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 225060913 | XXXX | XXXX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225060913 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225060914 | XXXX | XXXX |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225060915 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225146947 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Bid Tape Field Value is not provided. |
| 225338271 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338271 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338271 | XXXX | XXXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 225338271 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338271 | XXXX | XXXX |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 225338272 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338272 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338272 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338272 | XXXX | XXXX |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| 225338273 | XXXX | XXXX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225338273 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338273 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338273 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338273 | XXXX | XXXX |  |  | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338273 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 225338273 | XXXX | XXXX |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 225338273 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338273 | XXXX | XXXX |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 225338273 | XXXX | XXXX |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 225338273 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338273 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338273 | XXXX | XXXX |  |  | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 225338273 | XXXX | XXXX |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| 225338273 | XXXX | XXXX |  |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 225338273 | XXXX | XXXX |  |  | Interest Rate Life Cap |  | 11.375 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 225338273 | XXXX | XXXX |  |  | # of Units |  | 1 | Verified | Field value reflects source document |
| 225338273 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338273 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 225338273 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338273 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338273 | XXXX | XXXX |  |  | Interest Rate Life Floor |  | 4.625 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 225338273 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338273 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Field Value reflects Note 'Standard - Interest Only Period (months)' per the Note |
| 225338273 | XXXX | XXXX |  |  | # of Borrowers | 1 | 2 | Verified | Field value reflects source document |
| 225338273 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338273 | XXXX | XXXX |  |  | Qualifying Interest Rate | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338273 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338273 | XXXX | XXXX |  |  | Total Cash-out | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338273 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338273 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338274 | XXXX | XXXX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225338274 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338274 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338274 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338274 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 225338274 | XXXX | XXXX |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 225338274 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338274 | XXXX | XXXX |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 225338274 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338274 | XXXX | XXXX |  |  | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338274 | XXXX | XXXX |  |  | # of Units |  | 1 | Verified | Field value reflects source document |
| 225338274 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338274 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338274 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338274 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Field Value reflects Note 'Standard - Interest Only Period (months)' per the Note |
| 225338274 | XXXX | XXXX |  |  | # of Borrowers | 1 | 4 | Verified | Field value reflects source document |
| 225338274 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338274 | XXXX | XXXX |  |  | Qualifying Interest Rate | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338274 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338274 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338274 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338276 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338276 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338276 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338276 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338276 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 225338276 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338276 | XXXX | XXXX |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 225338276 | XXXX | XXXX |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 225338276 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338276 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338276 | XXXX | XXXX |  |  | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 225338276 | XXXX | XXXX |  |  | Interest Rate Initial Cap |  | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 225338276 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338276 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338276 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338276 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338276 | XXXX | XXXX |  |  | Interest Rate Life Floor |  | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 225338276 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338276 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Field Value reflects Note 'Standard - Interest Only Period (months)' per the Note |
| 225338276 | XXXX | XXXX |  |  | # of Borrowers | 1 | 3 | Verified | Field value reflects source document |
| 225338276 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338276 | XXXX | XXXX |  |  | Qualifying Interest Rate | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338276 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338276 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338276 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338277 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338277 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338277 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338277 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338277 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338277 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338277 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| 225338277 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Tape Value is rounded and within less than 1% of actual calculated LTV |
| 225338277 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338277 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338277 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338277 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Field Value reflects Note 'Standard - Interest Only Period (months)' per the Note |
| 225338277 | XXXX | XXXX |  |  | # of Borrowers | 1 | 3 | Verified | Field value reflects source document |
| 225338277 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338277 | XXXX | XXXX |  |  | Qualifying Interest Rate | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338277 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338277 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338277 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338278 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338278 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338278 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338278 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | The bid tape field value was not provided. |
| 225338278 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | The bid tape field value was not provided. |
| 225338278 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338278 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338278 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338278 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 225338278 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 225338278 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338278 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338278 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338278 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Unable to verify due to missing information |
| 225338278 | XXXX | XXXX |  |  | # of Borrowers | 1 | 2 | Verified | Field value reflects source document |
| 225338278 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338278 | XXXX | XXXX |  |  | Qualifying Interest Rate | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338278 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338278 | XXXX | XXXX |  |  | Total Cash-out | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338278 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338278 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338279 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338279 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338279 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338279 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338279 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338279 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338279 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338279 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338279 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338279 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338279 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338279 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Field Value reflects Note 'Standard - Interest Only Period (months)' per the Note |
| 225338279 | XXXX | XXXX |  |  | # of Borrowers | 1 | 3 | Verified | Field value reflects source document |
| 225338279 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338279 | XXXX | XXXX |  |  | Qualifying Interest Rate | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338279 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338279 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338279 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338280 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338280 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338280 | XXXX | XXXX |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 225338280 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338280 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338280 | XXXX | XXXX |  |  | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 225338280 | XXXX | XXXX |  |  | Interest Rate Initial Cap |  | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 225338280 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338280 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338280 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338280 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338280 | XXXX | XXXX |  |  | # of Borrowers | 1 | 2 | Verified | Field value reflects source document |
| 225338280 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338280 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338281 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338281 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338281 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338281 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 225338281 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338281 | XXXX | XXXX |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 225338281 | XXXX | XXXX |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 225338281 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338281 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338281 | XXXX | XXXX |  |  | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 225338281 | XXXX | XXXX |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| 225338281 | XXXX | XXXX |  |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 225338281 | XXXX | XXXX |  |  | Interest Rate Life Cap |  | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 225338281 | XXXX | XXXX |  |  | # of Units |  | 1 | Verified | Field value reflects source document |
| 225338281 | XXXX | XXXX |  |  | Interest Rate Initial Cap |  | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 225338281 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338281 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338281 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338281 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338281 | XXXX | XXXX |  |  | Interest Rate Life Floor |  | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 225338281 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338281 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Field Value reflects Note 'Standard - Interest Only Period (months)' per the Note |
| 225338281 | XXXX | XXXX |  |  | # of Borrowers | 1 | 2 | Verified | Field value reflects source document |
| 225338281 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338281 | XXXX | XXXX |  |  | Qualifying Interest Rate | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338281 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338281 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338281 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338282 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338282 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338282 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338282 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338282 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 225338282 | XXXX | XXXX |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 225338282 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338282 | XXXX | XXXX |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 225338282 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338282 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338282 | XXXX | XXXX |  |  | # of Units |  | 1 | Verified | Field value reflects source document |
| 225338282 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 225338282 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 225338282 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338282 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338282 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338282 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Field Value reflects Note 'Standard - Interest Only Period (months)' per the Note |
| 225338282 | XXXX | XXXX |  |  | # of Borrowers | 1 | 4 | Verified | Field value reflects source document |
| 225338282 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338282 | XXXX | XXXX |  |  | Qualifying Interest Rate | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338282 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338282 | XXXX | XXXX |  |  | Total Cash-out | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338282 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338282 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338283 | XXXX | XXXX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225338283 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338283 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338283 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338283 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 225338283 | XXXX | XXXX |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 225338283 | XXXX | XXXX |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 225338283 | XXXX | XXXX |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 225338283 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338283 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338283 | XXXX | XXXX |  |  | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 225338283 | XXXX | XXXX |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| 225338283 | XXXX | XXXX |  |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 225338283 | XXXX | XXXX |  |  | Interest Rate Life Cap |  | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 225338283 | XXXX | XXXX |  |  | # of Units |  | 10 | Verified | Field value reflects source document |
| 225338283 | XXXX | XXXX |  |  | Interest Rate Initial Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 225338283 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338283 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338283 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338283 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338283 | XXXX | XXXX |  |  | Interest Rate Life Floor |  | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 225338283 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338283 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Field Value reflects Note 'Standard - Interest Only Period (months)' per the Note |
| 225338283 | XXXX | XXXX |  |  | # of Borrowers | 1 | 3 | Verified | Field value reflects source document |
| 225338283 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338283 | XXXX | XXXX |  |  | Qualifying Interest Rate | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338283 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338283 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338283 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338284 | XXXX | XXXX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225338284 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338284 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338284 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338284 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338284 | XXXX | XXXX |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 225338284 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338284 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338284 | XXXX | XXXX |  |  | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 225338284 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338284 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338284 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338284 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338284 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338284 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Field Value reflects Note 'Standard - Interest Only Period (months)' per the Note |
| 225338284 | XXXX | XXXX |  |  | # of Borrowers | 1 | 3 | Verified | Field value reflects source document |
| 225338284 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338284 | XXXX | XXXX |  |  | Qualifying Interest Rate | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338284 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338284 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338284 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338285 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338285 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338285 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 225338285 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338285 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 225338285 | XXXX | XXXX |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 225338285 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338285 | XXXX | XXXX |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 225338285 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 225338285 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338285 | XXXX | XXXX |  |  | # of Units |  | 1 | Verified | Field value reflects source document |
| 225338285 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 225338285 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 225338285 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338285 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338285 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338285 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Unable to verify due to missing information |
| 225338285 | XXXX | XXXX |  |  | # of Borrowers | 1 | 2 | Verified | Field value reflects source document |
| 225338285 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338285 | XXXX | XXXX |  |  | Qualifying Interest Rate | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338285 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338285 | XXXX | XXXX |  |  | Total Cash-out | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338285 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338285 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338286 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338286 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338286 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338286 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338286 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 225338286 | XXXX | XXXX |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 225338286 | XXXX | XXXX |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 225338286 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338286 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338286 | XXXX | XXXX |  |  | # of Units |  | 1 | Verified | Field value reflects source document |
| 225338286 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 225338286 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 225338286 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225338286 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338286 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338286 | XXXX | XXXX |  |  | # of Borrowers | 1 | 2 | Verified | Field value reflects source document |
| 225338286 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338286 | XXXX | XXXX |  |  | Qualifying Interest Rate | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338286 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338286 | XXXX | XXXX |  |  | Total Cash-out | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338286 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338286 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338500 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338500 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338500 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338500 | XXXX | XXXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 225338501 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338501 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338501 | XXXX | XXXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 225338502 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338502 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338502 | XXXX | XXXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 225338504 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338504 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338504 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338504 | XXXX | XXXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 225338504 | XXXX | XXXX |  |  | Original Interest Rate | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 225338504 | XXXX | XXXX |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 225338506 | XXXX | XXXX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225338506 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338506 | XXXX | XXXX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 225338506 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338506 | XXXX | XXXX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 225338509 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338509 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 225338509 | XXXX | XXXX |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 225338509 | XXXX | XXXX |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 225338509 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338509 | XXXX | XXXX |  |  | Doc Type | 2yr Full Doc | WVOE | Verified | Field Value reflects documentation located in origination file |
| 225338509 | XXXX | XXXX |  |  | # of Units |  | 1 | Verified | Field value reflects source document |
| 225338509 | XXXX | XXXX |  |  | Originator Application Date | [redacted] | [redacted] | Verified | Field Value reflects the Broker Application Date while Tape Value reflects Creditor Application Date |
| 225338509 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338509 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338509 | XXXX | XXXX |  |  | Total Income | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338509 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338509 | XXXX | XXXX |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338509 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338509 | XXXX | XXXX |  |  | Total Cash-out | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338509 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338509 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338510 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338510 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 225338510 | XXXX | XXXX |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 225338510 | XXXX | XXXX |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 225338510 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338510 | XXXX | XXXX |  |  | Doc Type | 2yr Full Doc | WVOE | Verified | Field Value reflects documentation located in origination file |
| 225338510 | XXXX | XXXX |  |  | # of Units |  | 1 | Verified | Field value reflects source document |
| 225338510 | XXXX | XXXX |  |  | Originator Application Date | [redacted] | [redacted] | Verified | Field Value reflects Initial Application Date, loan was not Broker originated |
| 225338510 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender per the Security Instrument |
| 225338510 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338510 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Field Value reflects Note 'Standard - Interest Only Period (months)' per the Note |
| 225338510 | XXXX | XXXX |  |  | Total Income | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338510 | XXXX | XXXX |  |  | # of Borrowers | 3 | 2 | Verified | Field value reflects source document |
| 225338510 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338510 | XXXX | XXXX |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338510 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338510 | XXXX | XXXX |  |  | Total Cash-out | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338510 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338510 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338511 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338511 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225338511 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338511 | XXXX | XXXX |  |  | Originator Application Date | [redacted] | [redacted] | Verified | Field Value reflects the Broker Application Date while Tape Value reflects Creditor Application Date |
| 225338511 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338511 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338511 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Field Value reflects Note 'Standard - Interest Only Period (months)' per the Note |
| 225338511 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338511 | XXXX | XXXX |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338511 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338511 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338511 | XXXX | XXXX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338513 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225338513 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 225338513 | XXXX | XXXX |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 225338513 | XXXX | XXXX |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 225338513 | XXXX | XXXX |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338513 | XXXX | XXXX |  |  | Doc Type | 2yr Full Doc | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 225338513 | XXXX | XXXX |  |  | # of Units |  | 1 | Verified | Field value reflects source document |
| 225338513 | XXXX | XXXX |  |  | Originator Application Date | [redacted] | [redacted] | Verified | Field Value reflects the Broker Application Date while Tape Value reflects Creditor Application Date |
| 225338513 | XXXX | XXXX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 225338513 | XXXX | XXXX |  |  | 1003 - Originator Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338513 | XXXX | XXXX |  |  | Standard - Interest Only Period (months) | 0 |  | Verified | Field Value reflects Note 'Standard - Interest Only Period (months)' per the Note |
| 225338513 | XXXX | XXXX |  |  | Total Income | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338513 | XXXX | XXXX |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338513 | XXXX | XXXX |  |  | Investor: Qualifying Housing Ratio | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338513 | XXXX | XXXX |  |  | Origination Company Name | [redacted] | [redacted] | Verified | Field Value captured from loan applications in file |
| 225338513 | XXXX | XXXX |  |  | Total Cash-out | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338513 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225338844 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338844 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338844 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 225338844 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 225338845 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338845 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338845 | XXXX | XXXX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338845 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 225338845 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338845 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed - PPP | Fixed Rate | Verified | Field value reflects source document |
| 225338846 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 225338846 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed - PPP | Fixed Rate | Verified | Field value reflects source document |
| 225338847 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 225338847 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338847 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 225338848 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 225338848 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 225338849 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338849 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338849 | XXXX | XXXX |  |  | Property Type | PUD | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225338849 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 225338849 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338849 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed - 5% PPP | Fixed Rate | Verified | Field value reflects source document |
| 225338851 | XXXX | XXXX |  |  | Borrower Current Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225338851 | XXXX | XXXX |  |  | Borrower Current City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 225338851 | XXXX | XXXX |  |  | Borrower Current Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225338851 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | The Bid Tape Field Value was not provided. |
| 225338851 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| 225338851 | XXXX | XXXX |  |  | Product Description | NANQ / TRID - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 225338852 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 225338852 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338852 | XXXX | XXXX |  |  | Borrower Current Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225338852 | XXXX | XXXX |  |  | Borrower Current City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 225338852 | XXXX | XXXX |  |  | Borrower Current State | [redacted] | [redacted] | Verified | Field Value reflects State per Note |
| 225338852 | XXXX | XXXX |  |  | Borrower Current Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225338852 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed - PPP | Fixed Rate | Verified | Field value reflects source document |
| 225338853 | XXXX | XXXX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 225338853 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225338853 | XXXX | XXXX |  |  | Borrower Current Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225338853 | XXXX | XXXX |  |  | Borrower Current City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 225338853 | XXXX | XXXX |  |  | Borrower Current Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225338853 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed - PPP | Fixed Rate | Verified | Field value reflects source document |
| 225338857 | XXXX | XXXX |  |  | Borrower Current Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225338857 | XXXX | XXXX |  |  | Borrower Current City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 225338857 | XXXX | XXXX |  |  | Borrower Current Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225338857 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 225338857 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338857 | XXXX | XXXX |  |  | Product Description | NANQ / TRID - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 225338858 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 225338858 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338858 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 225338859 | XXXX | XXXX |  |  | Borrower Current Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225338859 | XXXX | XXXX |  |  | Borrower Current Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225338859 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 225338859 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338859 | XXXX | XXXX |  |  | Origination Channel | Correspondent | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 225338859 | XXXX | XXXX |  |  | Product Description | NANQ / TRID - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 225338860 | XXXX | XXXX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 225338860 | XXXX | XXXX |  |  | Original CLTV | [redacted] | [redacted] | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225338860 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 225338861 | XXXX | XXXX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225338861 | XXXX | XXXX |  |  | Borrower Current Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225338861 | XXXX | XXXX |  |  | Borrower Current City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 225338861 | XXXX | XXXX |  |  | Borrower Current Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225338861 | XXXX | XXXX |  |  | Product Description | NANQ / TRID - 30 Yr Fixed | Fixed Rate | Verified | Alternate format, not a true discrepancy |
| 225338863 | XXXX | XXXX |  |  | Borrower Current Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 225338863 | XXXX | XXXX |  |  | Borrower Current City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 225338863 | XXXX | XXXX |  |  | Borrower Current Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 225338863 | XXXX | XXXX |  |  | Product Description | NANQ / Business - 30 Yr Fixed | Fixed Rate | Verified | Alternate format, not a true discrepancy |
| 225390456 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225390456 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225390457 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225390458 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225390461 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225390463 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225390463 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225390464 | XXXX | XXXX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225390464 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225390466 | XXXX | XXXX |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 225390466 | XXXX | XXXX |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 225390467 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225390468 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225390469 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225390471 | XXXX | XXXX |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 225390471 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225390471 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225390472 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225390472 | XXXX | XXXX |  |  | Prepayment Penalty Period (months) | [redacted] | [redacted] | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 225390473 | XXXX | XXXX |  |  | Creditor Application Date | [redacted] | [redacted] | Verified | Field Value reflects Creditor Initial Application Date |
| 225390477 | XXXX | XXXX |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
| 225390477 | XXXX | XXXX |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 225390477 | XXXX | XXXX |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 225390477 | XXXX | XXXX |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
| 225390477 | XXXX | XXXX |  |  | Originator Loan Designation | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225390477 | XXXX | XXXX |  |  | Guideline Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 225404238 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225404238 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225404239 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225404239 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225404239 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | This is refinance transaction. |
| 225404241 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225404243 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225404243 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225404244 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225404244 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 225404245 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225404245 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225404245 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| 225404246 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225404246 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225404246 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Out of scope. |
| 225404248 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225404249 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225404249 | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding off |
| 225404251 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225404251 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225404251 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Updated as per appraisal report, original sales price. |
| 225404252 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225404252 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225404252 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 225404253 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225404253 | XXXX | XXXX |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 225404263 | XXXX | XXXX |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 225404263 | XXXX | XXXX |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance. |
| 225404264 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225404270 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225404273 | XXXX | XXXX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 225404273 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 225404275 | XXXX | XXXX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 225404275 | XXXX | XXXX |  |  | Original LTV | [redacted] | [redacted] | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

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| |
|:---|
| ![](ex99-1sch1_002.jpg) |
| **Exception Grades** |
| **Run Date - 4/8/2026 3:10:18 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** |
| 223812610 | XXXX | XXXX | XXXX | 34061717 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae XXXXX - [redacted]% Points and Fees | [redacted] XXXXX [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | QM Points and Fees threshold exceeded by $[redacted] or [redacted]%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2022-06-29): Client elects to waive.<br>Reviewer Comment (2022-06-28): Client to review.<br>Seller Comment (2022-06-24): Disagree - Please note that the [redacted] points and fees also known as QM test does not apply to this product type ([redacted]) as it is a non-agency loan.<br>[redacted] loans are not subject to QM or [redacted] and [redacted] high cost testing. They are still required to pass Hoepa and our investors will take HPML fails on them as long as all the requirements are met. i.e. (no [redacted] wavier, no escrow waiver, and not [redacted])<br>Our contract states that XXXXX will buy HPML as long as all the requirements were met, as they were on this loan. |  |  | 06/29/2022 | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 223812610 | XXXX | XXXX | XXXX | 34061719 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-06-21): Sufficient Cure Provided At Closing |  | 06/21/2022 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 224171220 | XXXX |  |  | 34637717 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | CDA ordered by [redacted] |  |  |  | Reviewer Comment (2025-10-08): CDA provided and cleared. | 10/08/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D A C | Non QM | Non QM | No |
| 224171220 | XXXX |  |  | 34637760 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Missing one income Bank statement #[redacted] with end date of [redacted] for borrower [redacted] to complete the [redacted] bank statements. |  |  |  | Reviewer Comment (2025-10-14): Provided and cleared.<br>Seller Comment (2025-10-14): See Attached | 10/14/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D A C | Non QM | Non QM | No |
| 224171220 | XXXX |  |  | 34637774 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide 1003 document for borrower [redacted] with updated declaration information. |  |  |  | Reviewer Comment (2025-10-14): Provided and cleared.<br>Seller Comment (2025-10-14): See Attached<br>Reviewer Comment (2025-10-09): Section [redacted] of the 1003 Declarations has not been completed with the Yes No Answers.<br>Seller Comment (2025-10-09): Please see the FINAL 1003 SIGNED | 10/14/2025 |  |  | 1 C A D |  | TX | Primary | Purchase | D A C | Non QM | Non QM | No |
| 224171220 | XXXX |  |  | 34655631 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing one income Bank statement #[redacted] with end date of [redacted] for borrower [redacted] to complete the [redacted] consecutive bank statements. |  |  |  | Reviewer Comment (2025-10-14): Provided and cleared.<br>Seller Comment (2025-10-14): See Attached | 10/14/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 224171220 | XXXX |  |  | 34655632 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing one income Bank statement #[redacted] with end date of [redacted] for borrower [redacted] to complete the [redacted] consecutive bank statements. |  |  |  | Reviewer Comment (2025-10-14): Provided and cleared.<br>Seller Comment (2025-10-14): See Attached | 10/14/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D A C | Non QM | Non QM | No |
| 224171220 | XXXX |  |  | 34655636 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing one income Bank statement #[redacted] with end date of [redacted] for borrower [redacted] to complete the [redacted] consecutive bank statements. |  |  |  | Reviewer Comment (2025-10-14): Provided and cleared.<br>Seller Comment (2025-10-14): See Attached | 10/14/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D A C | Non QM | Non QM | No |
| 224171220 | XXXX |  |  | 34657290 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [redacted] Days |  |  |  | Reviewer Comment (2025-10-08): CDA provided and cleared.<br>Reviewer Comment (2025-10-08): Valuation Received - [redacted] | 10/08/2025 |  |  | 1 A |  | TX | Primary | Purchase | D A C | Non QM | Non QM | No |
| 224171220 | XXXX |  |  | 34658653 |  | 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 [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing one income Bank statement #[redacted] with end date of [redacted] for borrower [redacted] to complete the [redacted] consecutive bank statements. |  |  |  | Reviewer Comment (2025-10-14): Provided and cleared.<br>Seller Comment (2025-10-14): See Attached | 10/14/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D A C | Non QM | Non QM | No |
| 224171221 | XXXX |  |  | 34640467 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | CDA ordered by [redacted] |  |  |  | Reviewer Comment (2025-10-08): CDA provided and cleared. | 10/08/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 224171221 | XXXX |  |  | 34640530 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | $[redacted] variance due to appraisal rush fee, should be included in APR but omitted per lender's XXXX report. |  |  |  | Reviewer Comment (2025-10-13): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2025-10-10): PROOF OF DELIVERY<br>Reviewer Comment (2025-10-09): [redacted] received Corrected CD, LOE, copy of cure refund for total underdiscloure and addressed envelope without postage. PCCD is not required to have signature, but lender must provide proof of mailing to borrower of the cure and specifically the cure refund check. If mailing was not completed through a carrier with tracking ([redacted], [redacted], [redacted], etc), and was placed in the mail, lender must provide a lender attestation that they mailed the cure package and check via [redacted] and the date placed in mail, or can provide a copy of the cancelled cure refund check as proof of borrower receipt.<br>Seller Comment (2025-10-08): Compliance Letter, PCCD (UNSIGNED-CAN THIS BE SIGNED ELECTRONICALLY?), Compliance Check |  | 10/13/2025 |  | 2 C B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 224171221 | XXXX |  |  | 34640531 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | $[redacted] variance due to appraisal rush fee, should be included in APR but omitted per lender's XXXX report. |  |  |  | Reviewer Comment (2025-10-13): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2025-10-10): PROOF OF DELIVERY<br>Reviewer Comment (2025-10-09): [redacted] received Corrected CD, LOE, copy of cure refund for total underdiscloure and addressed envelope without postage. PCCD is not required to have signature, but lender must provide proof of mailing to borrower of the cure and specifically the cure refund check. If mailing was not completed through a carrier with tracking ([redacted], [redacted], [redacted], etc), and was placed in the mail, lender must provide a lender attestation that they mailed the cure package and check via [redacted] and the date placed in mail, or can provide a copy of the cancelled cure refund check as proof of borrower receipt.<br>Seller Comment (2025-10-08): Compliance Letter, PCCD (UNSIGNED-CAN THIS BE SIGNED ELECTRONICALLY?), Compliance Check |  | 10/13/2025 |  | 2 C B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 224171221 | XXXX |  |  | 34657291 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [redacted] Days |  |  |  | Reviewer Comment (2025-10-08): CDA provided and cleared.<br>Reviewer Comment (2025-10-08): Valuation Received - [redacted] | 10/08/2025 |  |  | 1 A |  | TX | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 224171222 | XXXX |  |  | 34637515 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Only received initial LE and CD, please provide all LEs/CDs and COCs issued to borrower. |  |  |  | Reviewer Comment (2025-10-08): Provided and cleared.<br>Seller Comment (2025-10-08): [redacted] DAY CD, FINAL CD, COC, Please note LE was LOCKED at time of Initial LE | 10/08/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 224171222 | XXXX |  |  | 34637522 |  | 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 Underwriting Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Only received initial LE and CD, please provide all LEs/CDs and COCs issued to borrower. |  |  |  | Reviewer Comment (2025-10-08): Provided and cleared.<br>Seller Comment (2025-10-08): [redacted] DAY CD, FINAL CD, COC, Please note LE was LOCKED at time of Initial LE | 10/08/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224171222 | XXXX |  |  | 34637523 |  | 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. | Only received initial LE and CD, please provide all LEs/CDs and COCs issued to borrower. |  |  |  | Reviewer Comment (2025-10-08): Provided and cleared. | 10/08/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224171222 | XXXX |  |  | 34637524 |  | 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 Commitment Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Only received initial LE and CD, please provide all LEs/CDs and COCs issued to borrower. |  |  |  | Reviewer Comment (2025-10-08): Provided and cleared. | 10/08/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 224171222 | XXXX |  |  | 34656153 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Only appraisal notice in file dated [redacted] vs. final report date [redacted] |  |  |  | Reviewer Comment (2025-10-08): Waived per client guidance.<br>Seller Comment (2025-10-08): Appraisal date: [redacted] FINAL was a revision when appraiser forgot to add picture of [redacted] bath. Appraisal was ordered [redacted] |  |  | 10/08/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224171223 | XXXX |  |  | 34648535 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | CDA ordered by [redacted] |  |  |  | Reviewer Comment (2025-10-07): CDA provided and cleared. | 10/07/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D A | Non QM | Non QM | No |
| 224171223 | XXXX |  |  | 34657292 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted] / Collateral Desktop Analysis (CDA) - No MLS Sheets - [redacted] Days |  |  |  | Reviewer Comment (2025-10-07): CDA provided and cleared.<br>Reviewer Comment (2025-10-07): Valuation Received - [redacted] | 10/07/2025 |  |  | 1 A |  | TX | Primary | Purchase | D A | Non QM | Non QM | No |
| 224189959 | XXXX | 250902002 |  | 34681332 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | CDA ordered by [redacted] |  |  |  | Reviewer Comment (2025-10-10): Provided and cleared. | 10/10/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 224189959 | XXXX | 250902002 |  | 34681369 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Only CD in file issued [redacted] please provide all CDs - including final CD in order for assets to be tested accurately. |  |  |  | Reviewer Comment (2025-10-10): Provided and cleared.<br>Seller Comment (2025-10-10): FINAL CD | 10/10/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 224189959 | XXXX | 250902002 |  | 34681374 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-10-10): Provided and cleared.<br>Seller Comment (2025-10-10): FINAL 1003 SIGNED | 10/10/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 224189959 | XXXX | 250902002 |  | 34681439 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2025-10-10): Provided and cleared.<br>Seller Comment (2025-10-10): INITIAL ESCROW ACCOUNT STATEMENT<br>Seller Comment (2025-10-10): INITIAL ESCROW ACCOUNT STATEMENT page [redacted] closing package | 10/10/2025 |  |  | 1 B A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 224189959 | XXXX | 250902002 |  | 34681454 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] months Post Closing Reserves required for Prime [redacted] |  |  |  | Reviewer Comment (2025-10-15): Client elected to regrade and waive reserves exception<br>Reviewer Comment (2025-10-14): The final CD has the cash from borrower at [redacted] which is higher than the [redacted] Verified assets we have in file are [redacted] including bank account, EMD, and POC for the appraisal, Cash from Borrower [redacted] from CD + [redacted] EMD + [redacted] POC appraisal = [redacted] total from borrower. [redacted] left for reserves. PITI payment [redacted] needed for [redacted] months reserves. [redacted] short is our calculation.<br>Seller Comment (2025-10-14): I found that we actually have [redacted] months per the final [redacted]<br>Reviewer Comment (2025-10-10): Exceptions need to be granted by XXXX.<br>Seller Comment (2025-10-10): Exception made for job stability per guidelines<br>Seller Comment (2025-10-10): Exception made for job stability per guidelines. | 10/15/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| 224189959 | XXXX | 250902002 |  | 34681458 |  | 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 [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to guideline required reserves not met. |  |  |  | Reviewer Comment (2025-10-15): Client elected to regrade and waive reserves exception<br>Reviewer Comment (2025-10-14): The final CD has the cash from borrower at [redacted] which is higher than the [redacted] Verified assets we have in file are [redacted] including bank account, EMD, and POC for the appraisal, Cash from Borrower [redacted] from CD + [redacted] EMD + [redacted] POC appraisal = [redacted] total from borrower. [redacted] left for reserves. PITI payment [redacted] needed for [redacted] months reserves. [redacted] short is our calculation.<br>Seller Comment (2025-10-14): I found that we actually have [redacted] months per the final [redacted] | 10/15/2025 |  |  | 1 C A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 224189959 | XXXX | 250902002 |  | 34691306 |  | 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 ___. | [redacted] months Post Closing Reserves required for Prime [redacted] | 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.<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 (2025-10-15): Client elected to regrade and waive<br>Reviewer Comment (2025-10-14): The final CD has the cash from borrower at [redacted] which is higher than the [redacted] Verified assets we have in file are [redacted] including bank account, EMD, and POC for the appraisal, Cash from Borrower [redacted] from CD + [redacted] EMD + [redacted] POC appraisal = [redacted] total from borrower. [redacted]- left for reserves. PITI payment [redacted] needed for [redacted] months reserves. [redacted] short is our calculation.<br>Reviewer Comment (2025-10-14): 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>Seller Comment (2025-10-14): I found that we actually have [redacted] months per the final [redacted]<br>Reviewer Comment (2025-10-10): Exceptions need to be granted by XXXX.<br>Seller Comment (2025-10-10): Exception made for job stability per guidelines |  |  | 10/15/2025 | 2 C B |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 224189959 | XXXX | 250902002 |  | 34701769 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted] (CDA) - No MLS Sheets - [redacted] Days |  |  |  | Reviewer Comment (2025-10-10): Provided and cleared.<br>Reviewer Comment (2025-10-10): Valuation Received - [redacted] | 10/10/2025 |  |  | 1 A |  | TX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 224921001 | XXXX | 241010003 |  | 35485895 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. |  | The initial Closing Disclosure shows an issue date of [redacted]; however, the borrower's eSignature is dated [redacted] which is prior to the disclosed issue date. |  |  |  | Reviewer Comment (2026-01-16): Corrected CD provide and cleared.<br>Seller Comment (2026-01-16): Here is correct one. I didn't look at dates | 01/16/2026 |  |  | 1 B A |  | TX | Primary | Refinance - Rate/Term | D A B | Non QM | Non QM | No |
| 224921001 | XXXX | 241010003 |  | 35485897 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | CDA ordered |  |  |  | Reviewer Comment (2026-01-16): CDA provided and cleared. | 01/16/2026 |  |  | 1 D A |  | TX | Primary | Refinance - Rate/Term | D A B | Non QM | Non QM | No |
| 224921001 | XXXX | 241010003 |  | 35489879 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted] (CDA) - No MLS Sheets - [redacted] Days |  |  |  | Reviewer Comment (2026-01-16): CDA provided and cleared.<br>Reviewer Comment (2026-01-16): Valuation Received - [redacted] | 01/16/2026 |  |  | 1 A |  | TX | Primary | Refinance - Rate/Term | D A B | Non QM | Non QM | No |
| 224921003 | XXXX | 241219002 |  | 35472738 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | CDA ordered |  |  |  | Reviewer Comment (2026-01-17): CDA provided and cleared.<br>Reviewer Comment (2026-01-15): CDA has already been ordered.<br>Seller Comment (2026-01-15): Please order CDA | 01/17/2026 |  |  | 1 D A |  | TX | Primary | Refinance - Rate/Term | D B A C | Non QM | Non QM | No |
| 224921003 | XXXX | 241219002 |  | 35472850 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  | Reviewer Comment (2026-01-14): Waived |  |  | 01/14/2026 | 2 B |  | TX | Primary | Refinance - Rate/Term | D B A C | Non QM | Non QM | No |
| 224921003 | XXXX | 241219002 |  | 35472878 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure reflects amount financed of $[redacted] but calculated amount financed is $[redacted]Variance = $[redacted] TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  |  | Reviewer Comment (2026-01-15): Cure docs provided.<br>Seller Comment (2026-01-15): COMPLIANCE DOCS: LOE, PROOF OF DELIVERY, PCCD, RECISSION LETTER |  | 01/15/2026 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 224921003 | XXXX | 241219002 |  | 35472879 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure reflects Finance Charge of $[redacted] but calculated Finance Charge of $[redacted]Variance = $[redacted] TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) |  |  |  | Reviewer Comment (2026-01-15): Cure docs provided.<br>Seller Comment (2026-01-15): COMPLIANCE DOCS: LOE, PROOF OF DELIVERY, REFUND CHECK, PCCD, RECISSION |  | 01/15/2026 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 224921003 | XXXX | 241219002 |  | 35489881 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted] (CDA) - No MLS Sheets - [redacted] Days |  |  |  | Reviewer Comment (2026-01-17): CDA provided and cleared.<br>Reviewer Comment (2026-01-17): Valuation Received - [redacted] | 01/17/2026 |  |  | 1 A |  | TX | Primary | Refinance - Rate/Term | D B A C | Non QM | Non QM | No |
| 224921005 | XXXX | 251124001 |  | 35487923 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | [redacted] months reserves required per guidelines. |  |  |  | Reviewer Comment (2026-01-21): After further review exception cleared additional bank statements found in file.<br>Seller Comment (2026-01-20): Can we get an exception on these. When we CTC the file we had [redacted] months reserves<br>Reviewer Comment (2026-01-16): [redacted] shows $[redacted] needed for closing but final CD shows $[redacted] $[redacted]-$[redacted]=$[redacted] [redacted] mos. reserves.<br>Seller Comment (2026-01-16): Per FINAL [redacted] RESERVES ARE [redacted] MONTHS | 01/21/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 224921005 | XXXX | 251124001 |  | 35487929 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] months reserves required per guidelines. |  |  |  | Reviewer Comment (2026-01-21): After further review exception cleared additional bank statements found in file.<br>Seller Comment (2026-01-20): Can we get an exception on these. When we CTC the file we had [redacted] months reserves<br>Reviewer Comment (2026-01-16): [redacted] shows $[redacted] needed for closing but final CD shows $[redacted] $[redacted]-$[redacted]=$[redacted] [redacted] mos. reserves.<br>Seller Comment (2026-01-16): FINAL [redacted] AND FINAL AUS SHOW [redacted] MONTHS | 01/21/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 224921005 | XXXX | 251124001 |  | 35487939 |  | 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 [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to missing Asset documentation. |  |  |  | Reviewer Comment (2026-01-21): After further review exception cleared additional bank statements found in file.<br>Seller Comment (2026-01-20): Can we get an exception on these. When we CTC the file we had [redacted] months reserves<br>Reviewer Comment (2026-01-16): [redacted] shows $[redacted] needed for closing but final CD shows $[redacted] $[redacted]-$[redacted]=$[redacted] [redacted] mos. reserves.<br>Seller Comment (2026-01-16): FINAL [redacted] AND FINAL AUS SHOW [redacted] MONTHS RESERVES | 01/21/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 224921005 | XXXX | 251124001 |  | 35489883 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted] (CDA) - No MLS Sheets - [redacted] Days |  |  |  | Reviewer Comment (2026-01-16): CDA provided and cleared.<br>Reviewer Comment (2026-01-16): Valuation Received - [redacted] | 01/16/2026 |  |  | 1 A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 224921006 | XXXX | 250805003 |  | 35486864 |  | 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. | Only CD in file is signed/final CD issued [redacted] please provide all LEs/CDs issued to borrowers. |  |  |  | Reviewer Comment (2026-01-16): Provided and cleared.<br>Seller Comment (2026-01-16): ALL LE/CDs | 01/16/2026 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 224921006 | XXXX | 250805003 |  | 35486899 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing verification of Taxes, Insurance and HOA. |  |  |  | Reviewer Comment (2026-01-20): Cleared with proof of ownership<br>Seller Comment (2026-01-19): BORROWER DOES NOT OWN PROPERTY-IT'S RENTED PLEASE SEE PROOF OF OWNERSHIP<br>Reviewer Comment (2026-01-16): Exception is for verification of tax and any insurance or HOA costs carried on other owned property, not subject property.<br>Seller Comment (2026-01-16): HOI, TAX CERT, NO HOA | 01/20/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224921006 | XXXX | 250805003 |  | 35489884 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted] (CDA) - No MLS Sheets - [redacted] Days |  |  |  | Reviewer Comment (2026-01-16): CDA provided, cleared.<br>Reviewer Comment (2026-01-16): Valuation Received - [redacted] | 01/16/2026 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224921006 | XXXX | 250805003 |  | 35506618 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Variance due to Appraisal Copy Rush Fee of $[redacted] |  |  |  | Reviewer Comment (2026-01-23): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2026-01-22): Please see LOE, PROOF OF DELIVERY, PCCD, RESCISSION LETTER<br>Reviewer Comment (2026-01-21): Inclusion of a fee in APR calculations is predicated upon fee purpose. The Appraisal Rush Fee is tested as a finance charge as the fee is not excludable under [redacted](c)([redacted]) and was paid by the borrower. Cure requires PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2026-01-19): $[redacted] was disclosed at beginning of loan: Please see Initial LE, LOCKED LE, [redacted] DAY CD, FINAL CD & Appraisal Invoice showing POC |  | 01/23/2026 |  | 2 C B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 224921006 | XXXX | 250805003 |  | 35506620 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Variance due to Appraisal Copy Rush Fee of $[redacted] |  |  |  | Reviewer Comment (2026-01-23): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2026-01-22): Please see LOE, PROOF OF DELIVERY, PCCD, RESCISSION LETTER, CHECK<br>Reviewer Comment (2026-01-21): Inclusion of a fee in APR calculations is predicated upon fee purpose. The Appraisal Rush Fee is tested as a finance charge as the fee is not excludable under [redacted](c)([redacted]) and was paid by the borrower. Cure requires PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Seller Comment (2026-01-21): $[redacted] was disclosed at beginning of loan: Please see Initial LE, LOCKED LE, [redacted] DAY CD, FINAL CD & Appraisal Invoice showing POC |  | 01/23/2026 |  | 2 C B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 224921008 | XXXX | 251117002 |  | 35477346 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The file is missing a copy of the Appraisal Transfer Letter. |  |  |  | Reviewer Comment (2026-01-15): After further review, exception cleared.<br>Seller Comment (2026-01-15): Appraisal is in [redacted]. is a DBA of [resacted]. | 01/15/2026 |  |  | 1 B A |  | TX | Primary | Purchase | D B A | Non QM | Non QM | No |
| 224921008 | XXXX | 251117002 |  | 35477356 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | CDA ordered |  |  |  | Reviewer Comment (2026-01-16): CDA provided and cleared.<br>Reviewer Comment (2026-01-15): CDA has already been ordered.<br>Seller Comment (2026-01-15): Please order CDA | 01/16/2026 |  |  | 1 D A |  | TX | Primary | Purchase | D B A | Non QM | Non QM | No |
| 224921008 | XXXX | 251117002 |  | 35477365 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2026-01-14): Waived |  |  | 01/14/2026 | 2 B |  | TX | Primary | Purchase | D B A | Non QM | Non QM | No |
| 224921008 | XXXX | 251117002 |  | 35489886 |  | Property | Valuation | General | Valuation | Valuation Product pending |  | [redacted](CDA) - No MLS Sheets - [redacted] Days |  |  |  | Reviewer Comment (2026-01-16): CDA provided and cleared.<br>Reviewer Comment (2026-01-16): Valuation Received - [redacted] | 01/16/2026 |  |  | 1 A |  | TX | Primary | Purchase | D B A | Non QM | Non QM | No |
| 224990902 | XXXX | 250731061 |  | 35591791 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approving STR with DSCR below [redacted] with use of NAN Report. Compensating factors include FICO [redacted]+ points, LTV [redacted]% below maximum, Graeter than [redacted] year as Real estate investor and [redacted]\*[redacted]\*[redacted]+. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-11-14): Client elects to waive with compensating factors. |  |  | 11/14/2025 | 2 B |  | CO | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 224990903 | XXXX | 250932702 |  | 35591793 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request: Sq footage for each unit below [redacted]sq feet.<br> Comp factors. Credit score [redacted] points above minimum, multiple mortgages paid as agreed. experienced investor.<br> Exception Approved. | Borrower has owned the subject property for at least [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>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-11-14): Client elected to waive with compensating factors. |  |  | 11/14/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 224990905 | XXXX | 251033389 |  | 35591806 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the most recent [redacted] month payment history for the subject property. |  |  |  | Reviewer Comment (2025-11-28): Most recent [redacted] month payment history for the subject property received and verified the details. Exception Cleared.<br>Buyer Comment (2025-11-26): Subject's mortgage history was included in the initial shipping package and is located in your portal under doc ID D[redacted] pages [redacted] and [redacted] | 11/28/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 224990913 | XXXX | 250831762 |  | 35591853 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | File is missing the Articles of organization/formation for the borrowing entity for [redacted]. The ones provided are for [redacted]. |  |  |  | Reviewer Comment (2025-10-30): PA entity listing provided.<br>Buyer Comment (2025-10-30): PA formation documentation uploaded for review. | 10/30/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 224990913 | XXXX | 250831762 |  | 35591854 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Please provide sufficient assets documentation. |  |  |  | Reviewer Comment (2025-10-30): Asset document was provided.<br>Buyer Comment (2025-10-30): Per the final [redacted] Doc ID D[redacted] the cash to close was coming from concurrent refinance transaction, the final CD for this property was provided Doc ID D[redacted] which reflects cash to borrower in the amount of $[redacted] which is sufficient to cover the funds to close for this transaction. | 10/30/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 224990949 | XXXX | 251033328 |  | 35592213 |  | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Originator Company Not Licensed at time of Application | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Loan Originator Organization not NMLS licensed or registered at time of application. | Loan Originator Company have a issue date of [redacted] however loan application date is [redacted] |  |  |  | Reviewer Comment (2025-12-04): Cleared.<br>Buyer Comment (2025-12-04): the Regulated Lender Company License in [redacted] is only for originating [redacted]nd lien loans with an interest rate above [redacted]%. [redacted] is a subsidiary of a bank and exempt from state licensing requirements. Please see additional information uploaded for review. | 12/04/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224990949 | XXXX | 251033328 |  | 35592215 |  | 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 Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-01): Sufficient Cure Provided At Closing |  | 12/01/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 224990949 | XXXX | 251033328 |  | 35592216 |  | 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. |  |  |  |  | Reviewer Comment (2025-12-01): Sufficient Cure Provided At Closing |  | 12/01/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 224990949 | XXXX | 251033328 |  | 35592217 |  | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  | Most Recent [redacted] appraisal dated [redacted] shows property as PUD, however earlier [redacted] appraisal dated [redacted] shows as Single Family residence. |  |  |  | Reviewer Comment (2025-12-04): Cleared.<br>Buyer Comment (2025-12-02): Further support of PUD property is located in the Purchase Contract under doc ID D[redacted] page [redacted] item [redacted]B reflecting mandatory membership to the owner's association. | 12/04/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224990949 | XXXX | 251033328 |  | 35592218 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is present in Rural area with [redacted]% LTV. | Borrower has been employed in the same industry for more than [redacted] years. | Borrower has been employed in the same industry for more than [redacted] years.<br> FICO is [redacted]- + points from the minimum <br> DTI is [redacted]+ points form the max | Originator Pre-Close,SitusAMC | Reviewer Comment (2025-12-02): Client elects to down grade and waive using compensating factors<br> Borrower has been employed in the same industry for more than [redacted] years.<br> FICO is [redacted]- + points from the minimum <br> DTI is [redacted]+ points form the max |  |  | 12/02/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224990951 | XXXX | 251033204 |  | 35592228 |  | 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. |  |  |  |  | Reviewer Comment (2025-12-09): Sufficient Cure Provided At Closing |  | 12/09/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 225033635 | XXXX | 2511181564 |  | 35680331 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | [redacted] months PITIA reserve guideline requirement not met. |  |  |  | Reviewer Comment (2025-12-12): Received the sourced funds.<br>Buyer Comment (2025-12-10): uploaded<br>Reviewer Comment (2025-12-10): Need the [redacted] statement for #[redacted]<br>Buyer Comment (2025-12-08): cash to close $[redacted] and Deposit for $[redacted] funds already transferred per latest bank statement attached. more than [redacted] months reserves in all accounts after removed. | 12/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 225033635 | XXXX | 2511181564 |  | 35680334 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] Loan Designation discrepancy is due to insufficient assets to close - Qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted] |  |  |  | Reviewer Comment (2025-12-12): Received the sourced funds.<br>Buyer Comment (2025-12-10): uploaded<br>Reviewer Comment (2025-12-10): We received the provided statement transferring $[redacted] to act #[redacted] The file needs the [redacted] statement for the act # [redacted] documenting the trail of that transfer for proper testing. (Only provided to [redacted]) This should clear the short assets and reserves.<br>Buyer Comment (2025-12-08): cash to close $[redacted] and Deposit for $[redacted] funds already transferred per latest bank statement attached | 12/12/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | No |
| 225033635 | XXXX | 2511181564 |  | 35680335 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank [redacted]): Unable to verify assets using reasonably reliable third-party records. | [redacted] Loan Designation discrepancy is due to insufficient assets to close - Qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]due to insufficient assets to close - Qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted] |  |  |  | Reviewer Comment (2025-12-12): Received the sourced funds.<br>Buyer Comment (2025-12-10): uploaded<br>Reviewer Comment (2025-12-10): Need the [redacted] statement for act#[redacted]<br>Buyer Comment (2025-12-08): cash to close $[redacted] and Deposit for $[redacted] funds already transferred per latest bank statement attached | 12/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 225033635 | XXXX | 2511181564 |  | 35680336 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | [redacted] Loan Designation discrepancy is due to insufficient assets to close - Qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]due to insufficient assets to close - Qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted] |  |  |  | Reviewer Comment (2025-12-12): Received the sourced funds. | 12/12/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 225033635 | XXXX | 2511181564 |  | 35680337 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | [redacted] Loan Designation discrepancy is due to insufficient assets to close - Qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]due to insufficient assets to close - Qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted] |  |  |  | Reviewer Comment (2025-12-12): Received the sourced funds.<br>Buyer Comment (2025-12-10): uploaded<br>Reviewer Comment (2025-12-10): Need the [redacted] statement for act#[redacted]<br>Buyer Comment (2025-12-08): cash to close $[redacted] and Deposit for $[redacted] funds already transferred per latest bank statement attached | 12/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 225033635 | XXXX | 2511181564 |  | 35680339 |  | 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 [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | [redacted] Loan Designation discrepancy is due to insufficient assets to close - Qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]due to insufficient assets to close - Qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted] |  |  |  | Reviewer Comment (2025-12-12): Received the sourced funds. (system cleared)<br>Buyer Comment (2025-12-10): uploaded<br>Reviewer Comment (2025-12-10): Need the [redacted] statement for act#[redacted]<br>Buyer Comment (2025-12-08): cash to close $[redacted] and Deposit for $[redacted] funds already transferred per latest bank statement attached | 12/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 225033635 | XXXX | 2511181564 |  | 35680340 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-12-12): Received the sourced funds. (system cleared) | 12/12/2025 |  |  | 1 A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| 225060911 | XXXX | 251134292 |  | 35724917 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approving STR with a [redacted] Unit plus ADU. Unit [redacted] is [redacted] vs [redacted] minimum Square Feet. Compensating factors are FICO OF [redacted] Low LTV, [redacted] Year Credit history and all Properties are owned free and clear. | 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.<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. | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2025-12-26): Client elects to waive with compensating factors. |  |  | 12/26/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 225060912 | XXXX | 251033538 |  | 35724921 |  | 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. | [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. ([redacted]) |  |  |  | Reviewer Comment (2025-12-15): Upon further review lender credit correctly disclosed to consumer.<br>Buyer Comment (2025-12-12): The lock confirmation was provided which reflects the details that changed Doc ID D[redacted] page [redacted] in conjunction with the COC Doc ID D[redacted]<br>Reviewer Comment (2025-12-05): [redacted]: provided COC dated [redacted] in the loan file does not give sufficient information on what impacts and why the pricing was changed to remove the lender credit. In order to determine if the changed circumstance is valid more information is necessary on reason for the pricing changed and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-12-04): COC for the removal of Lender Credit was included in the initial shipping package and is located in your portal under doc ID D[redacted] | 12/15/2025 |  |  | 1 C A |  | TN | 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 |
| 225060912 | XXXX | 251033538 |  | 35724922 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request: Property is unique log home.<br> Beautiful log home located in [redacted]. - Appraiser using like comps in the market area.<br> Borrower has a [redacted] year credit history<br> Low LTV<br> [redacted] Months reserves<br> Exception Approved. | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Reserves: [redacted]<br> Guideline Requirement:<br>Combined Loan to Value: [redacted]%<br> Guideline Maximum Combined Loan to Value: [redacted]% | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-04): Client elects to waive with compensating factors. |  |  | 12/04/2025 | 2 B |  | TN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225060912 | XXXX | 251033538 |  | 35724923 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | [redacted] Bank statement is missing some pages for [redacted]and [redacted]. |  |  |  | Reviewer Comment (2025-12-22): Received bank statement with all pages for [redacted] and [redacted] Exception cleared.<br>Buyer Comment (2025-12-17): Submitted all pages of the [redactede] [redacted] and [redacted][redacted] stmts for review. | 12/22/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225060914 | XXXX | 251033811 |  | 35724937 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing the most recent [redacted] month pay history for [redacted]. |  |  |  | Reviewer Comment (2025-12-22): As per guideline, Other REO VOM's not required if not on credit .<br>Buyer Comment (2025-12-17): Prime guides dated [redacted] state other REO VOM's not required if not on credit. [redacted] is secured to investment property with no rental income being used. Statement provided to include payment in DTI. Mortgage rating does not apply when not primary residence or subject property and not reporting on credit. | 12/22/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 225060915 | XXXX | 250932383 |  | 35724945 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing the most recent [redacted] month pay history for the [redacted]st mortgage. |  |  |  | Reviewer Comment (2026-01-08): Credit report confirms housing history for subject property with no late payments. Exception Cleared.<br>Buyer Comment (2026-01-07): The [redacted]st mortgage on title is reporting on the credit report [redacted]st mortgage on title is reporting on the credit report [redacted] $[redacted] last report [redacted] reporting for [redacted] months, transferred to [redacted] as of [redacted] last reporting [redacted] for [redacted] months, then transferred to [redacted]. The payment history is documentation in accordance to guidelines. $[redacted] last report [redacted] reporting for [redacted] months, transferred to [redacted] as of [redacted] last reporting [redacted] for [redacted] months, then transferred to [redacted]. The payment history is documentation in accordance to guidelines. | 01/08/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 225060915 | XXXX | 250932383 |  | 35724946 |  | 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 Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-07): Sufficient Cure Provided At Closing |  | 01/07/2026 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| 225060915 | XXXX | 250932383 |  | 35724947 |  | 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. |  |  |  |  | Reviewer Comment (2026-01-07): Sufficient Cure Provided At Closing |  | 01/07/2026 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| 225063299 | XXXX | 41443367 |  | 35732333 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial [redacted] Timing without Waiver | TILA-RESPA [redacted]: [redacted] not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial [redacted]days of application OR proof of disclosure sent to borrower using another method within [redacted]days of application. Note: If neither step was completed exception will be an [redacted]-C for [redacted] months post consummation based on [redacted]. |  |  |  | Reviewer Comment (2021-12-27): initial CD provided as a trailing doc<br>Seller Comment (2021-12-26): Please find the initial CD that was sent and signed by the borrower. | 12/27/2021 |  |  | 1 C A |  | OK | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 225063299 | XXXX | 41443367 |  | 35732334 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA [redacted]: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial [redacted] days of application OR proof of disclosure sent to borrower using another method within [redacted] days of application. Note: If neither step was completed exception will be an [redacted]-C for [redacted] months post consummation based on [redacted]. |  |  |  | Reviewer Comment (2021-12-27): [redacted]received initial LE which is within [redacted]business days of initial application.<br>Seller Comment (2021-12-26): Please find the initial LE that was sent to the borrower.<br>Reviewer Comment (2021-12-17): [redacted]upon further review initial application date is[redacted] whereas the LE present in the file is [redacted] which is not within [redacted] business days of initial application. Please provide initial LE within [redacted] business days of initial application date.<br>Seller Comment (2021-12-16): Hello, attached please find the requested E-Consents, thanks. | 12/27/2021 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063299 | XXXX | 41443367 |  | 35732335 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Pest Inspection Fee was last disclosed as $[redacted] on [redacted] but disclosed as $[redacted] on [redacted]. File does not contain a valid [redacted]for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-11-16): Sufficient Cure Provided At Closing |  | 11/16/2021 |  | 1 A |  | OK | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063299 | XXXX | 41443367 |  | 35732336 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule[redacted]: Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Verified file A copy of Valuation was not to provided to borrower. |  |  |  | Reviewer Comment (2021-12-17): Received documentation showing that the [redacted] was provided to borrower on [redacted]. Exception cleared. | 12/17/2021 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063299 | XXXX | 41443367 |  | 35732337 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | Verified file the Appraisal Disclosure was not provided to borrower. |  |  |  | Reviewer Comment (2021-12-20): [redacted]received [redacted] electronically executed disclosure which is within [redacted] business days of application and electronic consent also within [redacted] business days of application.<br>Seller Comment (2021-12-16): Hello, attached please find the same Notice of right to receive the [redacted] disclosure within [redacted] business days that we initially shipped to you guys, thanks. | 12/20/2021 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063299 | XXXX | 41443367 |  | 35732338 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [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. | Verified file the $[redacted]was provided to borrower for the tolerance amount of $[redacted]. |  |  |  | Reviewer Comment (2021-11-16): Sufficient Cure Provided At Closing |  | 11/16/2021 |  | 1 A |  | OK | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225063299 | XXXX | 41443367 |  | 35732339 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Verified file [redacted] APR id [redacted] % and Loan Estimate APR is [redacted]%. |  |  |  | Reviewer Comment (2021-12-28): Received a copy of Loan Estimate with APR reflecting as [redacted]%. Exception Cleared.<br>Seller Comment (2021-12-26): We uploaded the initial LE.<br>Reviewer Comment (2021-12-21): Non-Compliant HPML is due to missing initial LE which contains the Right to receive a copy of the [redacted] Disclosure within [redacted] days of the loan application date. Exception remains pending receipt of initial LE.<br>Seller Comment (2021-12-16): Hello, please find original delivered to the borrower, thanks.<br>Seller Comment (2021-12-16): Hello, attached please find the same [redacted] and Proof of deliver to the borrower that we initially shipped to you guys, thanks. | 12/28/2021 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225063299 | XXXX | 41443367 |  | 35732340 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is in excess of allowable threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Loan. | Verified file [redacted] APR id [redacted]% and Loan Estimate APR is [redacted]%. |  |  |  | Reviewer Comment (2021-12-21): Evidence of [redacted] delivery provided. Exception cleared. | 12/21/2021 |  |  | 1 C A |  | OK | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 225063299 | XXXX | 41443367 |  | 35732342 |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML [redacted] Ability to Repay Reliable Documentation | [redacted]Higher-Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. | Verified file borrower income has [redacted] years with [redacted] Months of Bank Statement and [redacted] Letter was provided. |  |  |  | Reviewer Comment (2021-12-17): [redacted] is provided in file confirms borrower has been operating his business since [redacted]to present . Exception Cleared.<br>Seller Comment (2021-12-16): Hello, attached please find the Compliance Report, thanks. | 12/17/2021 |  |  | 1 C A |  | OK | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 225063299 | XXXX | 41443367 |  | 35732343 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2021-12-28): Client elects to waive<br>Reviewer Comment (2021-12-28): We have received a copy of an updated Closing Disclosure on [redacted], but APR is reflecting as [redacted]% which is more that reflecting on previously provided CD i.e. [redacted]%. Exception Remains.<br>Seller Comment (2021-12-26): Initial LE and the Initial CD were both uploaded. |  |  | 12/28/2021 | 2 B |  | OK | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 225063299 | XXXX | 41443367 |  | 35732345 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA [redacted]: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA [redacted]: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) |  |  |  | Reviewer Comment (2021-12-28): Sufficient Cure Provided At Closing |  | 12/28/2021 |  | 1 A |  | OK | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 225078351 | XXXX | 12025032620 |  | 35751790 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception allowing loan to close in business name. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator Pre-Close,SitusAMC | Reviewer Comment (2025-06-06): Waived with compensating factors per lender exception approval at origination. |  |  | 06/06/2025 | 2 B |  | NJ | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 225146947 | XXXX | 110100018769 |  | 35845727 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided |  | Initial credit application date is missing. |  |  |  | Reviewer Comment (2026-01-23): Application date provided.<br>Buyer Comment (2026-01-20): See uploaded summary shows application date [redacted] | 01/23/2026 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 225338271 | XXXX | HL10038562 |  | 36110533 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The file is missing copy of Final 1003 document. |  |  |  | Reviewer Comment (2025-12-24): Cleared. Associated term sheet as application.<br>Buyer Comment (2025-12-22): see attached | 12/24/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D A |  | N/A | No |
| 225338271 | XXXX | HL10038562 |  | 36110534 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  |  |  | Reviewer Comment (2025-12-24): Policy begins on the same date as the disbursement date.<br>Seller Comment (2025-12-22): it's the same date. [redacted]<br>Buyer Comment (2025-12-22): see attached | 12/24/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D A |  | N/A | No |
| 225338271 | XXXX | HL10038562 |  | 36110535 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Please provide All pages of signed and date Security Instrument. |  |  |  | Reviewer Comment (2025-12-24): Cleared. Received complete security instrument.<br>Buyer Comment (2025-12-22): see attached | 12/24/2025 |  |  | 1 D A |  | GA | Investment | Purchase | D A |  | N/A | No |
| 225338272 | XXXX | HL10039381 |  | 36110538 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in the file |  |  |  | Reviewer Comment (2026-01-13): Received Business Purpose Certificate in the file. Exception Cleared.<br>Buyer Comment (2026-01-12): business purpose docs<br>Reviewer Comment (2026-01-09): Business Purpose Certificate in not received in the file. Exception Remains.<br>Seller Comment (2026-01-07): business purpose affidavit is on page [redacted] of the loan docs that were uploaded | 01/13/2026 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 225338272 | XXXX | HL10039381 |  | 36110539 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in the file |  |  |  | Reviewer Comment (2026-01-16): Received corporate resolution signed by all the members of the borrowing business entity. Exception cleared.<br>Buyer Comment (2026-01-14): generally this gets cleared with a borrowing authorization. there is a borrowing authorization in the package but will attache here as well.<br>Reviewer Comment (2026-01-08): Received company agreement which was already available on file at initial review. Require Corporate Resolution. Exception Remains.<br>Buyer Comment (2026-01-07): see attached | 01/16/2026 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 225338273 | XXXX | HL10037570 |  | 36110542 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | ARM Error: Initial Rate Maximum was not provided |  |  |  |  |  | Reviewer Comment (2026-01-09): Initial Rate Maximum provided on Note document. Exception Cleared.<br>Seller Comment (2026-01-07): it is said in the note on page [redacted] | 01/09/2026 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 225338276 | XXXX | HL10038220 |  | 36110549 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | A filed Certificate of Authority (or equivalent document) showing the LLC is properly registered in the state of [redacted] is not located in the file. |  |  |  | Reviewer Comment (2026-02-10): Received required documentation. Condition cleared.<br>Seller Comment (2026-02-06): hey couldnt use the same name because one already existed so the entity name is [redacted]<br>Reviewer Comment (2026-02-05): Certificate of Authority is provided for [redacted] instead of [redacted]. Exception remains.<br>Buyer Comment (2026-02-03): Attached is the entity now registered in [redacted], they couldnt use the same name because one already existed so the entity name is [redacted]<br>Reviewer Comment (2026-01-14): A Certificate of Authority is required since the entity is formed in [redacted] and the property is located in [redacted], requiring authorization to conduct business in the property state. Exception Remains.<br>Buyer Comment (2026-01-12): Per Lender, this is not required per our guidelines<br>Reviewer Comment (2026-01-09): A Certificate of Authority is required since the entity is formed in [redacted] and the property is located in [redacted], requiring authorization to conduct business in the property state. Exception Remains.<br>Seller Comment (2026-01-07): state of formation is in [redacted]. we don't provide for the location of property | 02/10/2026 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 225338276 | XXXX | HL10038220 |  | 36110550 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to determine if sections listed on note as reserved is missing addendums or riders. Provide lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. |  |  |  | Reviewer Comment (2026-01-09): Cleared. Client attestation provided<br>Seller Comment (2026-01-07): attesting the reserved sections do not refer to additional documntation, addendums, or riders | 01/09/2026 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 225338277 | XXXX | HL10038224 |  | 36110553 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Executed Transfer Deed was not provided. |  |  |  | Reviewer Comment (2026-01-13): Transfer of Deed is not required for purchase case. Exception Cleared.<br>Buyer Comment (2026-01-12): Per Lender, we do not collect these for purchases<br>Reviewer Comment (2026-01-09): Provided purchase contract. File is missing transfer of deed to the current owner. Exception remains<br>Buyer Comment (2026-01-07): see attached | 01/13/2026 |  |  | 1 D A |  | GA | Investment | Purchase | D A |  | N/A | No |
| 225338278 | XXXX | HL10038221 |  | 36110554 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | No document available for Employer Identification Number. |  |  |  | Reviewer Comment (2026-01-09): Provided Form W-[redacted] with Employer Identification Number (EIN) of the borrowing business entity. Exception cleared.<br>Buyer Comment (2026-01-07): see attached | 01/09/2026 |  |  | 1 C A |  | OR | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 225338278 | XXXX | HL10038221 |  | 36110556 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to determine if sections listed on note as reserved is missing addendums or riders. Provide lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. |  |  |  | Reviewer Comment (2026-01-09): Cleared. Received client attestation.<br>Seller Comment (2026-01-07): attesting that the reserved sections do not refer to additional documentation/addendums/riders | 01/09/2026 |  |  | 1 C A |  | OR | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 225338278 | XXXX | HL10038221 |  | 36110557 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted] |  | Missing Final HUD-[redacted] Only and estimated closing statement provided in loan file. |  |  |  | Reviewer Comment (2026-01-13): Received Final HUD-[redacted] Exception Cleared.<br>Buyer Comment (2026-01-12): see attached<br>Reviewer Comment (2026-01-09): Provided closing statement is estimated per header. Provide final HUD-[redacted] Exception remains.<br>Seller Comment (2026-01-07): if it is signed, it is the final<br>Buyer Comment (2026-01-07): see attached SS | 01/13/2026 |  |  | 1 D A |  | OR | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 225338279 | XXXX | HL10038223 |  | 36110559 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to determine if sections listed on note as reserved is missing addendums or riders. Provide lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. |  |  |  | Reviewer Comment (2026-01-09): Cleared. Received client attestation.<br>Seller Comment (2026-01-07): attesting these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. | 01/09/2026 |  |  | 1 C A |  | GA | Investment | Purchase | D A |  | N/A | No |
| 225338279 | XXXX | HL10038223 |  | 36110560 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | The Deed transferring the property to the borrowing entity is missing. |  |  |  | Reviewer Comment (2026-01-21): Received Deed transferring the property to the borrowing entity in the file. Exception Cleared.<br>Buyer Comment (2026-01-20): warranty<br>Reviewer Comment (2026-01-13): No new document received. Require deed of the current transaction to validate transferring the property to the borrowing business entity. Exception remains.<br>Buyer Comment (2026-01-12): Per Lender, we do not collect these for purchases<br>Reviewer Comment (2026-01-09): Provided purchase contract was already available on file at initial review. Require Deed transferring the property to the borrowing entity. Exception Remains.<br>Buyer Comment (2026-01-07): see attached psa | 01/21/2026 |  |  | 1 D A |  | GA | Investment | Purchase | D A |  | N/A | No |
| 225338283 | XXXX | HL10042004 |  | 36110567 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to determine if sections listed on note as reserved is missing addendums or riders. Provide lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. |  |  |  | Reviewer Comment (2026-02-19): Received clarification/approval/documentation from lender. Condition cleared.<br>Seller Comment (2026-02-18): [redacted] - lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for.<br>Buyer Comment (2026-02-18): attestation<br>Reviewer Comment (2026-02-17): Provided email attestation which does not have loan number or any unique detail to verify if it is for the subject file. Exception remains.<br>Buyer Comment (2026-02-13): attestation<br>Reviewer Comment (2026-02-13): Please provide lender attestation as reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. Exception remains. No documents were provided<br>Seller Comment (2026-02-11): reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for.<br>Reviewer Comment (2026-02-11): No new document received. Require lender attestation as reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. Exception remains.<br>Seller Comment (2026-02-09): lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. | 02/19/2026 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 225338283 | XXXX | HL10042004 |  | 36110568 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Number of units discrepancy. | Appraisal number of units of ___ does not match Guideline number of units of ___. | Subject property consists of [redacted] units and according to guidelines properties with [redacted] or more units are ineligible. |  |  |  | Reviewer Comment (2026-02-27): Cleared. Property is being appraised based on bedroom/bath counts as the property is to be used as bedroom rentals.<br>Buyer Comment (2026-02-25): see attached<br>Reviewer Comment (2026-02-25): Please have updated Appraisal to reflect correct units. Current Appraisal is [redacted] units therefore exception remains.<br>Buyer Comment (2026-02-23): the appraiser added comments to the affect that each bedroom is considered a Unit. Unit is used throughout the report since commercial appraisers are used to dealing in Units<br>Reviewer Comment (2026-02-11): No new document received. Per appraisal page [redacted] number of units is [redacted] Exception remains.<br>Seller Comment (2026-02-09): appraisal number of units is [redacted] number of bedrooms is [redacted] this is under [redacted] units, please clear<br>Seller Comment (2026-02-09): appraisal number of units is [redacted] | 02/27/2026 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 225338284 | XXXX | HL10042005 |  | 36110571 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The individual Guarantor Certification for [redacted] was not located in the file. |  |  |  | Reviewer Comment (2026-02-10): Individual Guarantor Certification already available in the initial shipping package. Exception Cleared.<br>Seller Comment (2026-02-06): this is not something we provide | 02/10/2026 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 225338285 | XXXX | HL10041556 |  | 36110574 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the first payment letter. |  |  |  | Reviewer Comment (2026-02-10): First Payment letter is not required. Exception Cleared.<br>Seller Comment (2026-02-06): I dont think this is something we usualy provide | 02/10/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 225338286 | XXXX | HL10043226 |  | 36110576 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to determine if sections listed on note as reserved is missing addendums or riders. Provide lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. |  |  |  | Reviewer Comment (2026-02-17): Document provided<br>Buyer Comment (2026-02-17): attestation<br>Reviewer Comment (2026-02-13): Please provide lender attestation as reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. Exception remains. no document provided<br>Seller Comment (2026-02-11): they do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted fo<br>Reviewer Comment (2026-02-11): No new document received. Require lender attestation as reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. Exception remains.<br>Seller Comment (2026-02-09): lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. | 02/17/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 225338286 | XXXX | HL10043226 |  | 36110577 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the first payment letter. |  |  |  | Reviewer Comment (2026-02-13): Document provided<br>Buyer Comment (2026-02-11): we don't send out a first payment letter. this is the closest thing we provide<br>Reviewer Comment (2026-02-11): No new document received. Require first payment letter which was sent to the borrower. Exception remains.<br>Seller Comment (2026-02-09): not something we usually provide. | 02/13/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 225338500 | XXXX | HL10026242 |  | 36110587 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | An unexpired government photo ID is not located in the file. |  |  |  | Reviewer Comment (2025-10-23): Received Borrower Consumer ID card which will expire in [redacted] along with ITIN form, information validated. Exception Cleared.<br>Buyer Comment (2025-10-22): Submitted [redacted] Consular ID which satisfies the requirement under section [redacted] of guidelines. | 10/23/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |
| 225338501 | XXXX | HL10029005 |  | 36110590 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted] Insufficient or no cure was provided to the borrower. | Lender Credits was disclosed on initial Loan estimate as $-[redacted] but disclosed but final Closing Disclosure $-[redacted] File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-11-12): [redacted] received valid COC document | 11/12/2025 |  |  | 1 C A |  | KY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 225338501 | XXXX | HL10029005 |  | 36110592 |  | 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. | Credit report Fee was disclosed on initial Loan estimate as $[redacted] but disclosed but final Closing Disclosure $[redacted] File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2025-11-12): Sufficient cure provided. Full cure amount for tolerance violation was provided in the form of principal reduction at closing (on final CD) resulting in a cleared exception." | 11/12/2025 |  |  | 1 C A |  | KY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 225338501 | XXXX | HL10029005 |  | 36110593 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The file is missing the Approval or [redacted] document. |  |  |  | Reviewer Comment (2025-11-14): Received Approval document, Exception Cleared. | 11/14/2025 |  |  | 1 C A |  | KY | Primary | Purchase | C A | Non QM | Non QM | No |
| 225338501 | XXXX | HL10029005 |  | 36110594 |  | 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. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-11-12): Sufficient Cure Provided At Closing |  | 11/12/2025 |  | 1 A |  | KY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 225338504 | XXXX | HL10028989 |  | 36110604 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-11-17): Econsent provided.<br>Buyer Comment (2025-11-17): both econsents | 11/17/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 225338504 | XXXX | HL10028989 |  | 36110606 |  | 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. | Appraisal Fee was last disclosed as $[redacted] but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-11-21): [redacted] received [redacted] explanation.<br>Buyer Comment (2025-11-21): reasons for increase in appaisal fee - clear condition and purchase loan.<br>Seller Comment (2025-11-19): requested exception from investor<br>Reviewer Comment (2025-11-18): [redacted] received rebuttal stating borrower and broker wanted a super rush appraisal. Please provide system documentation supporting the borrower request, such as emails or file comments that support this [redacted] and the date borrower requested.<br>Buyer Comment (2025-11-18): The broker and borrower wanted to rush the file, as they almost always do, so that's the reason the borrower paid extra for the XXXX to get the appraiser on it and get it done<br>Reviewer Comment (2025-11-18): [redacted] received COC dated [redacted] stating "super rush need" However we would require additional information as to what caused the super rush to be initiated on LE dated [redacted] for $[redacted] Kindly provide detail reason for the rush request in order to clear the exception. | 11/21/2025 |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 225338506 | XXXX | HL10030081 |  | 36110617 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal proof of delivery is not provided within [redacted] business days prior to closing |  |  |  | Reviewer Comment (2025-12-17): Received confirmation copy of completed appraisal delivered to borrower, information validated. Exception Cleared.<br>Buyer Comment (2025-12-15): attached | 12/17/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 225338506 | XXXX | HL10030081 |  | 36110619 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant. Unable to verify occupancy. |  | The subject is a refinance of a primary residence and the appraisal reflects the property is vacant. |  |  |  | Reviewer Comment (2025-12-26): Ok to reuse appraisal.<br>Reviewer Comment (2025-12-24): Unable to waive property exception. A revised corrected appraisal to verify correct occupancy type is required.<br>Buyer Comment (2025-12-22): i sent the exception documents. i will upload again please advise<br>Reviewer Comment (2025-12-19): Lender Exception not Provided.<br> Require revised corrected appraisal to verify correct occupancy type, also available [redacted]D document does confirm the occupancy of property. Exception Remains.<br>Seller Comment (2025-12-17): We received an exception from the investor that allowed us to use the previous appraisal on this one.<br>Reviewer Comment (2025-12-17): Require revised corrected appraisal to verify correct occupancy type, also available [redacted]D document does confirm the occupancy of property. Exception Remains. | 12/26/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 225338509 | XXXX | HL10037886 |  | 36110636 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-12-24): Received E-Sign Consent Agreement.<br>Buyer Comment (2025-12-22): both econsents | 12/24/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 225338509 | XXXX | HL10037886 |  | 36110639 |  | 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. | [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. |  |  |  | Reviewer Comment (2026-01-02): [redacted] received LOE suffice<br>Buyer Comment (2025-12-31): See both Funder email LOE and COC CD [redacted]-[redacted] with COC page<br>Reviewer Comment (2025-12-26): [redacted] received COC dated [redacted] however lender credit decreased on CD dated [redacted] which is not within [redacted] days of COC dated [redacted] Please provide any missing CD sent within [redacted] days of COC dated [redacted] to re-evaluate the exception. | 01/02/2026 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | 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 |
| 225338509 | XXXX | HL10037886 |  | 36110640 |  | 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 Discount Points. 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 Loan Discount Points. Fee Amount of $[redacted] is charged on Final Closing Disclosure However Loan Estimate not charged. $[redacted] over legal limit and there is no cure amount or cure letter in file. |  |  |  | Reviewer Comment (2026-01-02): [redacted] received LOE suffice<br>Buyer Comment (2025-12-31): See both Funder email LOE and COC CD [redacted]-[redacted] with COC page<br>Reviewer Comment (2025-12-26): [redacted] received COC dated [redacted] however loan discount points added on CD dated [redacted] which is not within [redacted] days of COC dated [redacted] Please provide any missing CD sent within [redacted] days of COC dated [redacted] to re-evaluate the exception. | 01/02/2026 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | 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 |
| 225338509 | XXXX | HL10037886 |  | 36110641 |  | 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. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] is charged on Final Closing Disclosure however Loan Estimate charged as$[redacted] $[redacted] over legal limit and there is no cure amount or cure letter in file. |  |  |  | Reviewer Comment (2025-12-26): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 12/26/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | 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 |
| 225338509 | XXXX | HL10037886 |  | 36110643 |  | 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 Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-01-02): Sufficient Cure Provided At Closing |  | 01/02/2026 |  | 1 A |  | AZ | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 225338510 | XXXX | HL10034984 |  | 36110647 |  | 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 was not provided. |  |  |  | Reviewer Comment (2026-01-06): [redacted] received Initial CD and proof of receipt.<br>Buyer Comment (2026-01-04): Submitted Initial CD [redacted] with COC Form | 01/06/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| 225338511 | XXXX | HL10039027 |  | 36110650 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Account Statements - Business bank statements and CPA Letter verifying the borrower's dates of operation and good standing is missing in file. As per Guidelines, [redacted] months Business Bank Statements are required. |  |  |  | Reviewer Comment (2026-01-08): Cleared. Received CPA letter.<br>Buyer Comment (2026-01-08): Accountant's letter was uploaded yesterday to this finding and has been uploaded again today to clear all findings.<br>Reviewer Comment (2026-01-07): This exception is addressing the missing CPA letter, Tax Preparer letter, operating agreement or equivalent reflecting the borrower's ownership percentage.<br>Buyer Comment (2026-01-07): Please reference section [redacted] of guidelines for Co-mingled Bank Stmt. | 01/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 225338511 | XXXX | HL10039027 |  | 36110654 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall Due to missing Income Documentation. |  |  |  | Reviewer Comment (2026-01-08): Received required documentation. Condition cleared.<br>Seller Comment (2026-01-08): Accountant's letter was uploaded yesterday to this finding and has been uploaded again today to clear all findings.<br>Reviewer Comment (2026-01-07): This exception is addressing the missing CPA letter, Tax Preparer letter, operating agreement or equivalent reflecting the borrower's ownership percentage.<br>Seller Comment (2026-01-07): Please reference section [redacted] of guidelines for Co-mingled Bank Stmt. | 01/08/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 225338511 | XXXX | HL10039027 |  | 36110655 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current employment status using reasonably reliable third-party records. | Waterfall due to missing Third Party Document. |  |  |  | Reviewer Comment (2026-01-08): Cleared. Received CPA letter.<br>Seller Comment (2026-01-08): Accountant's letter was uploaded yesterday to this finding and has been uploaded again today to clear all findings.<br>Reviewer Comment (2026-01-07): This exception is addressing the missing CPA letter, Tax Preparer letter, operating agreement or equivalent reflecting the borrower's ownership percentage. In addition, All Borrowers must provide evidence that the business has been in existence for at least<br> two ([redacted]) years via CPA/Tax preparer letter, confirmation from regulatory or state agency,<br>Seller Comment (2026-01-07): Please reference section [redacted] of guidelines for Co-mingled Bank Stmt. | 01/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 225338511 | XXXX | HL10039027 |  | 36110656 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current employment status using reasonably reliable third-party records. | Waterfall due to missing Third Party Document. |  |  |  | Reviewer Comment (2026-01-08): Received required documentation. Condition cleared.<br>Seller Comment (2026-01-08): Accountant's letter was uploaded yesterday to this finding and has been uploaded again today to clear all findings.<br>Reviewer Comment (2026-01-07): This exception is addressing the missing CPA letter, Tax Preparer letter, operating agreement or equivalent reflecting the borrower's ownership percentage. In addition, All Borrowers must provide evidence that the business has been in existence for at least<br> two ([redacted]) years via CPA/Tax preparer letter, confirmation from regulatory or state agency,<br>Seller Comment (2026-01-07): Please reference section [redacted] of guidelines for Co-mingled Bank Stmt. | 01/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 225338511 | XXXX | HL10039027 |  | 36110657 |  | 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 [redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Waterfall Due to missing Income Documentation. |  |  |  | Reviewer Comment (2026-01-08): Received required documentation. Condition cleared.<br>Seller Comment (2026-01-08): Accountant's letter was uploaded yesterday to this finding and has been uploaded again today to clear all findings.<br>Reviewer Comment (2026-01-07): This exception is addressing the missing CPA letter, Tax Preparer letter, operating agreement or equivalent reflecting the borrower's ownership percentage. In addition, All Borrowers must provide evidence that the business has been in existence for at least<br> two ([redacted]) years via CPA/Tax preparer letter, confirmation from regulatory or state agency,<br>Seller Comment (2026-01-07): Please reference section [redacted] of guidelines for Co-mingled Bank Stmt. | 01/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 225338511 | XXXX | HL10039027 |  | 36110660 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall Due to missing Income Documentation. |  |  |  | Reviewer Comment (2026-01-08): Cleared. Received CPA letter.<br>Seller Comment (2026-01-08): Accountant's letter was uploaded yesterday to this finding and has been uploaded again today to clear all findings.<br>Reviewer Comment (2026-01-07): This exception is addressing the missing CPA letter, Tax Preparer letter, operating agreement or equivalent reflecting the borrower's ownership percentage.<br>Seller Comment (2026-01-07): Please reference section [redacted] of guidelines for Co-mingled Bank Stmt. | 01/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 225338511 | XXXX | HL10039027 |  | 36110661 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Account Statements - Business bank statements and CPA Letter verifying the borrower's dates of operation and good standing is missing in file. As per Guidelines, [redacted] months Business Bank Statements are required. |  |  |  | Reviewer Comment (2026-01-08): Received required documentation. Condition cleared. | 01/08/2026 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 225338511 | XXXX | HL10039027 |  | 36110662 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall Due to missing Income Documentation. |  |  |  | Reviewer Comment (2026-01-08): Cleared. Received CPA letter.<br>Seller Comment (2026-01-08): Accountant's letter was uploaded yesterday to this finding and has been uploaded again today to clear all findings.<br>Reviewer Comment (2026-01-07): This exception is addressing the missing CPA letter, Tax Preparer letter, operating agreement or equivalent reflecting the borrower's ownership percentage.<br>Seller Comment (2026-01-07): Please reference section [redacted] of guidelines for Co-mingled Bank Stmt. | 01/08/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 225338844 | XXXX | 2510179149 |  | 36111438 |  | 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 ___. | Max LTV allowed per guidelines for [redacted] FICO is [redacted]%. Lender exception in file approving [redacted]% LTV exception to allow [redacted]% LTV. Comp factors include: [redacted]) Mtg history [redacted]x[redacted] for over [redacted] months on both mtgs, [redacted]) Cash out covers more than [redacted] months of reserves, [redacted]) DSCR > [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC | Reviewer Comment (2025-12-23): Lender Exception with Compensating Factors provided. |  |  | 12/23/2025 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 225338844 | XXXX | 2510179149 |  | 36111439 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Max LTV allowed per guidelines for [redacted] FICO is [redacted]%. Lender exception in file approving [redacted]% LTV exception to allow [redacted]% LTV. Comp factors include: [redacted]) Mtg history [redacted]x[redacted] for over [redacted] months on both mtgs, [redacted]) Cash out covers more than [redacted] months of reserves, [redacted]) DSCR > [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |  | SitusAMC | Reviewer Comment (2025-12-23): Lender Exception with Compensating Factors provided. |  |  | 12/23/2025 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 225338845 | XXXX | 2511181968 |  | 36111441 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | PITIA reserves of [redacted] months, is less than the required guideline required PITIA months reserves of [redacted] Cash-out cannot be utilized. Sub[redacted] DSCR. |  |  |  | Reviewer Comment (2025-12-29): Received updated matrix. Cash out can be used. Cleared.<br>Reviewer Comment (2025-12-26): From the Sud[redacted] matrix [redacted] and [redacted] [redacted] mos, cash-out cannot be utilized<br> > $[redacted] = [redacted] mos, cash-out can be used to satisfy up to <br> [redacted]% of reserve requirement " Core is the only DSCR that allows cashout to be used.<br>Reviewer Comment (2025-12-26): From the Sud[redacted] matrix... "[redacted] mos, cash-out cannot be utilized<br> > $[redacted] = [redacted] mos, cash-out can be used to satisfy up to <br> [redacted]% of reserve requirement "<br>Buyer Comment (2025-12-23): Our guidelines for Sub[redacted] DSCR to allow for cash out to be used for the reserves. Please waive. | 12/29/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 225338851 | XXXX | 2511181278 |  | 36111463 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2026-01-05): Doc provided<br>Buyer Comment (2025-12-31): attached | 01/05/2026 |  |  | 1 B A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225338851 | XXXX | 2511181278 |  | 36111465 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | The file was missing a copy of the Settlement Service Provider List disclosure provided to the borrower within [redacted] business days of the Originator's application date. |  |  |  | Reviewer Comment (2026-01-05): Doc provided | 01/05/2026 |  |  | 1 A |  | SC | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 225338851 | XXXX | 2511181278 |  | 36111466 |  | 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 Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Fee increased on [redacted] Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2026-01-06): [redacted] received LOE and holiday calendar for observed holiday for Day After Thanksgiving. Timing for COC satisfied.<br>Buyer Comment (2026-01-05): attached client's business closure for [redacted] holiday observance and email confirmation of closure on [redacted]<br>Reviewer Comment (2025-12-30): [redacted] received rebuttal comment that [redacted] and [redacted] was holiday for lender. If the lender was not working on [redacted] please provide an LOE explaining that lender was not open for public that day to re-evaluate the exception.<br>Buyer Comment (2025-12-29): LE [redacted] issued within [redacted] business days of COC [redacted] Holiday dates for [redacted] & [redacted] should be excluded along with the weekend. | 01/06/2026 |  |  | 1 C A |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 225338851 | XXXX | 2511181278 |  | 36111468 |  | Credit | Guideline | Guideline Issue | Guideline | The Borrower's minimum contribution was not met, per guidelines. | LTV: ___; <br> Purpose: ___; <br> Percent of Borrower's Contribution: ___ | An approved exception request for the IPC exceeding the [redacted]% maximum was provided. The subject IPC is $[redacted] ([redacted]%), which exceeds the allowable amount by $[redacted] | 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.<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]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-12-24): Lender exception provided. |  |  | 12/24/2025 | 2 B |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225338851 | XXXX | 2511181278 |  | 36111469 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | [redacted] Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Agency to receive borrower complaints disclosure missing in file. |  |  |  | Reviewer Comment (2025-12-31): Disclosure tracking details provided. Cleared<br>Buyer Comment (2025-12-29): please review | 12/31/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225338851 | XXXX | 2511181278 |  | 36111470 |  | 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. | Loan Estimate was issued [redacted] and the E-sign Consent is dated [redacted] |  |  |  | Reviewer Comment (2025-12-30): [redacted] received earliest e-consent dated [redacted]<br>Buyer Comment (2025-12-29): also in file<br>Buyer Comment (2025-12-29): E-Consent in file was dated [redacted] | 12/30/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225338852 | XXXX | 2512184718 |  | 36111476 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal was provided [redacted] which is not [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2026-01-20): Lender accepts EV2 grading<br>Buyer Comment (2026-01-16): [redacted]<br>Reviewer Comment (2026-01-13): waived per client<br>Buyer Comment (2026-01-02): Borrower received appraisal in a timely manner. Updates were did not impact value<br>Reviewer Comment (2026-01-02): The original appraisal provided. The appraisal update was signed on [redacted] and this exception will stand due to not being within [redacted] days of closing. This is an EV2 that can be waived.<br>Buyer Comment (2025-12-30): initial appraisal that was provided to client. |  |  | 01/20/2026 | 2 B |  | AZ | Investment | Purchase | B A | N/A | N/A | No |
| 225338852 | XXXX | 2512184718 |  | 36111477 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Reviewer Comment (2026-01-02): Right to Receive provided.<br>Buyer Comment (2025-12-30): Notice of right to receive appraisal | 01/02/2026 |  |  | 1 B A |  | AZ | Investment | Purchase | B A | N/A | N/A | No |
| 225338853 | XXXX | 2512184447 |  | 36111482 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | The Appraisal Status confirmation is dated the same day as closing. |  |  |  | Reviewer Comment (2026-01-08): Previous appraisal report date [redacted] received. Exception cleared.<br>Buyer Comment (2026-01-07): original appraisal dated [redacted] that was provided within the correct timing guidelines. | 01/08/2026 |  |  | 1 B A |  | FL | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 225338857 | XXXX | 2601185692 |  | 36111495 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing evidence of consent. |  |  |  | Reviewer Comment (2026-01-22): E-sign consent received and associated in file; Exception cleared.<br>Buyer Comment (2026-01-21): Page [redacted] of the compliance report which was in the original upload shows the e-consent for both borrowers. Please clear | 01/22/2026 |  |  | 1 C A |  | MS | Primary | Purchase | C A | Non QM | Non QM | No |
| 225338858 | XXXX | 2512185414 |  | 36111498 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing mortgage statement and hazard insurance policy for REO property "[redacted] [redacted]" |  |  |  | Reviewer Comment (2026-01-22): REO document received and associated in file; Exception cleared.<br>Buyer Comment (2026-01-21): Updated HOI.<br>Buyer Comment (2026-01-21): Additional closing docs for concurrent loan.<br>Buyer Comment (2026-01-21): HOI attached. There is no mortgage statement as the property was free and cleared. The mortgage listed on the [redacted] is a concurrent loan closed around the same time as this one. CD for concurrent loan attached, and also under review by [redacted] as Customer Loan ID # [redacted]<br>Buyer Comment (2026-01-21): HOI attached. There is no mortgage statement as the property was free and cleared. The mortgage listed on the [redacted] is a concurrent loan closed around the same time as this one. CD for concurrent loan attached, and also under review by [redacted]as Customer Loan ID # [redacted] | 01/22/2026 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 225338860 | XXXX | 2512185500 |  | 36111505 |  | 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. | Recording fee was disclosed as $[redacted] on Initial Loan estimate dated [redacted] and $[redacted] on Loan estimate dated [redacted] File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2026-01-30): [redacted] received valid COC with supporting affidavit document.<br>Buyer Comment (2026-01-29): was in original upload<br>Buyer Comment (2026-01-29): This is not necessary. The COC was provided along with the corresponding CD. The Deed was also provided, please clear.<br>Reviewer Comment (2026-01-29): [redacted] received deed of trust document, however, we also required supporting executed name change affidavit document as per COC dated [redacted] and to provide supporting information on when lender become aware of the name change or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Buyer Comment (2026-01-28): Deed of trust attached<br>Buyer Comment (2026-01-28): The correction is in the file, and it states on it that it was due to a name misspelling. Please clear<br>Reviewer Comment (2026-01-28): [redacted] received rebuttal, however we do not have deed of trust document available in file. Please provide deed of trust or any other supporting document to verify the name change.<br>Buyer Comment (2026-01-27): Which deed are you looking for besides the Deed of Trust?<br>Reviewer Comment (2026-01-27): [redacted] received COC, however there is no deed document available in file. Please provide deed to re-evaluate the exception.<br>Buyer Comment (2026-01-26): attached | 01/30/2026 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | N/A | N/A | Yes |
| 225338860 | XXXX | 2512185500 |  | 36111506 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement for REO- "[redacted]" missing in file. |  |  |  | Reviewer Comment (2026-01-26): Received the simultaneous closing statement.<br>Buyer Comment (2026-01-23): Mortgage statement is not available. Loan was closed concurrently with this one. | 01/26/2026 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 225338860 | XXXX | 2512185500 |  | 36111508 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal receipt date is [redacted] however appraisal report is dated and signed on [redacted] |  |  |  | Reviewer Comment (2026-01-26): Received the original Appraisal.<br>Buyer Comment (2026-01-23): Appraisal signed [redacted] is a revision with no update to the value. Here is the initial appraisal from [redacted] | 01/26/2026 |  |  | 1 B A |  | CT | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 225338861 | XXXX | 2601186305 |  | 36111510 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] 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]%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-02-12): EV1. | 02/12/2026 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225338861 | XXXX | 2601186305 |  | 36111511 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Buyer Comment (2026-02-09): Appraisal and Escrows |  |  | 02/09/2026 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225338861 | XXXX | 2601186305 |  | 36111512 |  | 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. |  |  |  |  | Reviewer Comment (2026-02-05): LE used.<br>Buyer Comment (2026-02-05): Loan Estimate provided that was issued [redacted] shows the rate lock. please waive condition | 02/05/2026 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225338861 | XXXX | 2601186305 |  | 36111514 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted] Higher-Priced 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]%. Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2026-02-12): EV1. | 02/12/2026 |  |  | 1 A |  | CA | Primary | Purchase | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows:<br>Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced 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 |
| 225338861 | XXXX | 2601186305 |  | 36111515 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2026-02-12): EV1. | 02/12/2026 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225338861 | XXXX | 2601186305 |  | 36111516 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing hazard insurance documentation for retained investment property [redacted] [redacted]. |  |  |  | Reviewer Comment (2026-02-12): REO document received and associated in file; Exception cleared.<br>Buyer Comment (2026-02-11): HOI for [redacted] | 02/12/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 225338861 | XXXX | 2601186305 |  | 36111519 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | The Seller's final CD contained fees not reflected on the consumer's CD. |  |  |  | Reviewer Comment (2026-02-12): EV1. | 02/12/2026 |  |  | 1 A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 225338863 | XXXX | 2601186562 |  | 36111528 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing documentation verifying PITIA on new primary residence purchase. |  |  |  | Reviewer Comment (2026-02-18): REO document received and associated in file; Exception cleared.<br>Buyer Comment (2026-02-17): attached | 02/18/2026 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 225338863 | XXXX | 2601186562 |  | 36111530 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Declaration A on final 1003 is marked 'Yes', indicating borrower will occupy the property. The loan was closed as an investment refinance. |  |  |  | Reviewer Comment (2026-02-18): Correct [redacted] received and associated in file; Exception cleared.<br>Buyer Comment (2026-02-17): corrected [redacted] attached | 02/18/2026 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 225390457 | XXXX | 110100016570 |  | 36168080 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement / Sales Contract missing from the file. |  |  |  | Reviewer Comment (2025-12-02): Provided.<br>Buyer Comment (2025-12-01): Please see uploaded purchase contract | 12/02/2025 |  |  | 1 D A |  | MA | Investment | Purchase | D A |  | N/A | No |
| 225390457 | XXXX | 110100016570 |  | 36168082 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets provided in file of $[redacted] are insufficient to cover required cash from borrower of $[redacted] A draft Closing Statement was provided in file for sale of [redacted]-[redacted] . Final Closing Statement is required. |  |  |  | Reviewer Comment (2025-12-05): Cleared.<br>Buyer Comment (2025-12-04): These checks were included in the original submission, they should cover the shortage.<br>Reviewer Comment (2025-12-03): After taking into account sale of [redacted]-[redacted], funds are short by $[redacted] Assets considered are as follows: Checking [redacted] $[redacted] Checking [redacted] $[redacted] EMD $[redacted] and Sale of property $[redacted]<br>Buyer Comment (2025-12-02): Wrong loan label but correct CD.<br>Buyer Comment (2025-12-02): Please see executed final CD for [redacted]-[redacted] property. | 12/05/2025 |  |  | 1 C A |  | MA | Investment | Purchase | D A |  | N/A | No |
| 225390458 | XXXX | 110100018261 |  | 36168083 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-12-02): Fraud report provided<br>Buyer Comment (2025-12-02): Uploaded fraud report | 12/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 225390458 | XXXX | 110100018261 |  | 36168084 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided |  | [redacted] Rent Comparison Schedule is missing. |  |  |  | Reviewer Comment (2025-12-03): Provided.<br>Buyer Comment (2025-12-02): [redacted] uploaded supporting [redacted] rental income used to qualify.. This was already included with loan file.. | 12/03/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 225390458 | XXXX | 110100018261 |  | 36168085 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-12-02): Fraud report provided<br>Buyer Comment (2025-12-02): UPLOADED - fraud report | 12/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 225390458 | XXXX | 110100018261 |  | 36168087 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC search is missing for the guarantor. |  |  |  | Reviewer Comment (2025-12-02): Fraud report provided. OFAC search clear | 12/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 225390462 | XXXX | 110100017739 |  | 36168092 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Guarantor's representative FICO of [redacted] is less than the minimum required of [redacted] for a cash out refinance. |  |  |  | Reviewer Comment (2025-12-11): Updated bid tape provided and FICO corrected, exception cleared.<br>Buyer Comment (2025-12-08): Per [redacted] matrix dated [redacted] Cash out allowed for fico of [redacted] please clear, uploaded matrix snip<br>Reviewer Comment (2025-12-04): [redacted] guidelines dated [redacted] require a minimum FICO of [redacted] for a cash-out refinance.<br>Buyer Comment (2025-12-03): Please see the upl data tape matrix which allows fico below [redacted] | 12/11/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 225390463 | XXXX | 110100018046 |  | 36168093 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2025-12-09): CPL provided, exception cleared.<br>Buyer Comment (2025-12-05): See uploaded CPL | 12/09/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 225390463 | XXXX | 110100018046 |  | 36168094 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided |  | [redacted] Rent Comparison Schedule is missing in file. |  |  |  | Reviewer Comment (2025-12-09): [redacted] provided, exception cleared.<br>Buyer Comment (2025-12-05): [redacted] [redacted] was already provided w/loan file & uploaded again for your review | 12/09/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 225390464 | XXXX | 420200017551 |  | 36168096 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided |  | [redacted] Rent Comparison Schedule is missing in file. |  |  |  | Reviewer Comment (2025-12-11): [redacted] provided<br>Buyer Comment (2025-12-10): We are using [redacted] so [redacted] is not required. This was already included with loan file.. I uploaded another copy here as well.. | 12/11/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 225390464 | XXXX | 420200017551 |  | 36168098 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The commitment title report in file disclosed $[redacted] of title insurance coverage; however this is less than the loan amount of $[redacted] |  |  |  | Reviewer Comment (2025-12-12): Updated commitment title report provided<br>Buyer Comment (2025-12-12): See updated Title Commitment | 12/12/2025 |  |  | 1 B A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 225390466 | XXXX | 110100013510 |  | 36168101 |  | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. |  | Per guidelines number of Projects and Value of Project (last [redacted] months) including acquisition dates and sales prices are required for this program. |  |  |  | Reviewer Comment (2025-12-16): Provided<br>Buyer Comment (2025-12-15): property profile uploaded - borrower purchased [redacted] [redacted] and sold [redacted] Operating agreement attached shows borrowers [redacted]% sole member of LLC<br>Buyer Comment (2025-12-15): property profile uploaded - borrower purchased [redacted] [redacted] and sold [redacted] Operating agreement attached shows borrowers [redacted]% sole member of LLC. | 12/16/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 225390466 | XXXX | 110100013510 |  | 36168103 |  | Credit | Credit | Credit Documentation | Credit | Borrower does not own current residence and thus casts doubt on business purpose of loan. |  | Per credit application, borrower has been renting current residence since [redacted] Fraud report MERS lien search did not return results, indicating borrower could be first time homebuyer. Per guidelines, First Time Homebuyer Not eligible except as allowed in specified in the guidelines |  |  |  | Reviewer Comment (2025-12-16): Property profile uploaded - borrower purchased [redacted] [redacted] and sold [redacted] Operating agreement attached shows borrower [redacted]% sole member of LLC | 12/16/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 225390470 | XXXX | 110100020150 |  | 36168108 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided |  | Initial credit application date is missing. |  |  |  | Reviewer Comment (2026-01-22): Provided<br>Buyer Comment (2026-01-21): Please see uploaded trancking summary for initial [redacted]<br>Buyer Comment (2026-01-16): There is no Initial credit application on [redacted]. The final application was dated on [redacted] and included in the submission package. | 01/22/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 225390471 | XXXX | 110100021072 |  | 36168111 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided |  | Initial credit application date is missing. |  |  |  | Reviewer Comment (2026-01-29): Application date provided<br>Buyer Comment (2026-01-26): See uploaded disclosure tracking summary show initial application dated [redacted] | 01/29/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 225390472 | XXXX | 110100021297 |  | 36168113 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  | Credit application is missing |  |  |  | Reviewer Comment (2026-02-02): Final [redacted] provided<br>Buyer Comment (2026-01-29): [redacted] credit application uploaded | 02/02/2026 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 225390472 | XXXX | 110100021297 |  | 36168114 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided |  | Application Date missing from the file. |  |  |  | Reviewer Comment (2026-02-02): Application date provided<br>Buyer Comment (2026-01-29): attached tracking summary showing app date | 02/02/2026 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 225390477 | XXXX | 7250601572 |  | 36168137 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-08-25): Client restated loan to Higher Priced QM (APOR)<br>Buyer Comment (2025-08-22): Please reinstate to Higher Priced QM (APOR).<br>Buyer Comment (2025-08-21): See Uploaded compliance report confirming Safe Harbor designation.<br>Buyer Comment (2025-08-21): See uploaded compliance report confirming designated QM - Safe Harbor | 08/25/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225390477 | XXXX | 7250601572 |  | 36168138 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow [redacted] [redacted]in last [redacted]months. | 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>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | $[redacted]K residual income<br>[redacted] months reserves.<br>DTI is [redacted]% below guideline max. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-08-21): Lender exception in file. |  |  | 08/21/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 225390477 | XXXX | 7250601572 |  | 36168139 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Client restated loan to Higher Priced QM (APOR) |  |  |  | Reviewer Comment (2025-09-29): The client elects to waive.<br>Buyer Comment (2025-08-25): ACCEPT AS IS<br>Reviewer Comment (2025-08-25): Please accept as is. |  |  | 09/29/2025 | 2 A B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 225404237 | XXXX | 12025090284 |  | 36171468 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a complete [redacted] month pay history for the subject property. Provide verification of [redacted] timely payments to[redacted]. [redacted] months verified with bank statements. Verified the following payments, of [redacted] |  |  |  | Reviewer Comment (2025-11-12): Pay history.<br>Buyer Comment (2025-11-10): [redacted]-Please see attached<br>Buyer Comment (2025-11-10): Your previous exception information states Provide a complete [redacted] month pay history for the subject property. Provide verification of [redacted] timely payments to [redacted]. [redacted] months verified with bank statements. Verified the following payments, [redacted] of [redacted]<br>Reviewer Comment (2025-11-10): Required deposit receipts for [redacted] to clear the exception. Exception Remains.<br>Buyer Comment (2025-11-06): [redacted]-Please see attached<br>Reviewer Comment (2025-11-05): [redacted] is not our borrower. Per guidelines, require evidence of [redacted] timely payments from our borrower to the lienholder of the loan (which is [redacted]). [redacted] paying the mortgage loan on time has no bearing on this condition.<br>Buyer Comment (2025-11-03): Pay history is in the name listed above [redacted] showing evidence that all payments for property are made on time w no lates<br>Reviewer Comment (2025-10-31): Customer name on pay history is not our borrower. It appears to be in the name of the second private lien holder. Evidence of [redacted] months' payments to the lien holder required for review of this condition.<br>Buyer Comment (2025-10-29): [redacted]-Please see [redacted] statement | 11/12/2025 |  |  | 1 C A D |  | TX | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 225404242 | XXXX | 12025091181 |  | 36171476 |  | 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 ___. | Maximum LTV [redacted]% for [redacted] time investor per ITIN matrix. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]<br>The 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<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-11-17): Waived with compensating factors per lender approved exception post-consummation.<br>Buyer Comment (2025-11-13): exception |  |  | 11/17/2025 | 2 C B |  | CT | Investment | Purchase | C B A |  | N/A | No |
| 225404242 | XXXX | 12025091181 |  | 36171477 |  | 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 (2025-11-07): Received fully completed certificate of NOO<br>Buyer Comment (2025-11-05): Non-Owner | 11/07/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C B A |  | N/A | No |
| 225404243 | XXXX | 12025100048 |  | 36171479 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-[redacted]/Settlement Statement. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Originator,SitusAMC | Reviewer Comment (2025-11-12): Waived with compensating factors at clients request.<br>Buyer Comment (2025-11-10): Lender accepts. Please waive with available compensating factors<br>Reviewer Comment (2025-11-10): Received closing statement is post note date. Exception remains.<br>Buyer Comment (2025-11-06): Final SS |  |  | 11/12/2025 | 2 C B |  | AZ | Investment | Purchase | C B A |  | N/A | No |
| 225404243 | XXXX | 12025100048 |  | 36171480 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Max LTV for [redacted]% for first time investor. |  |  |  | Reviewer Comment (2025-11-10): LTV is correctly updated per matrix. LTV meets the guideline requirements. Exception Cleared.<br>Buyer Comment (2025-11-06): Borrower is not a [redacted] time homebuyer. Per matrix , [redacted] time investor does not apply. | 11/10/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C B A |  | N/A | No |
| 225404244 | XXXX | 12025092296 |  | 36171482 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing UW discretion for living rent free with someone other than spouse. |  |  |  | Reviewer Comment (2025-11-07): Updated [redacted] with UW discretion received in trailing docs.<br>Buyer Comment (2025-11-05): Please see attached [redacted] with UW's rent-free commentary. Thank you. | 11/07/2025 |  |  | 1 C A D |  | TX | Investment | Purchase | D A |  | N/A | No |
| 225404245 | XXXX | 12025081960 |  | 36171484 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-11-12): Title Final Policy received and policy amount verified. Exception Cleared. | 11/12/2025 |  |  | 1 A |  | TX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 225404245 | XXXX | 12025081960 |  | 36171485 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Commitment shows coverage $[redacted] which does not cover the loan amount of $[redacted] File does not contain a supplemental report. |  |  |  | Reviewer Comment (2025-11-12): Title Final Policy received and policy amount verified. Exception Cleared.<br>Buyer Comment (2025-11-10): [redacted]-Please see attached | 11/12/2025 |  |  | 1 B A |  | TX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 225404247 | XXXX | 12025090987 |  | 36171490 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Prior primary rent made to private individual. Missing bank statements/cancelled checks from [redacted] to June [redacted] to complete [redacted] month payment history. | 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 (2025-12-08): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2025-12-08): exception<br>Reviewer Comment (2025-12-08): Provide [redacted]-[redacted] cancelled checks to have a complete [redacted] month history.<br>Buyer Comment (2025-12-08): [redacted] money order matches bank statement withdrawal see highlighted portion on [redacted] bank statement<br>Buyer Comment (2025-12-08): [redacted] reports Jan money order. See highlighted portion on [redacted] bank statement [redacted] - Shows money order for $[redacted]<br>Reviewer Comment (2025-11-29): Money orders matching lease amount for [redacted] and [redacted] received. [redacted] payment not documented. If lender is accepting the cash withdrawals without copies of the money order receipts for [redacted] through [redacted], an exception can be requested; however, we would be unable to clear as there is no evidence the cash was used to pay the prior rent.<br>Buyer Comment (2025-11-25): Borrower purchased money order to pay rent each month. See sample money order receipts. I highlighted all the payments for the rent money orders.<br>Buyer Comment (2025-11-25): [redacted] and [redacted] rent payment<br>Buyer Comment (2025-11-25): [redacted] rent payment<br>Buyer Comment (2025-11-25): [redacted] money order |  |  | 12/08/2025 | 2 C B D |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 225404247 | XXXX | 12025090987 |  | 36171491 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1003 is marked borrower is a [redacted] citizen however ITIN documentation in file. |  |  |  | Reviewer Comment (2025-11-29): Corrected [redacted] received<br>Buyer Comment (2025-11-25): [redacted] | 11/29/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | D B A |  | N/A | No |
| 225404249 | XXXX | 12025100789 |  | 36171494 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Borrower is a Non permanent resident alien, and there is no documentation available. |  |  |  | Reviewer Comment (2025-11-23): Received Individual Taxpayer Identification Notice along with CPA letter in the file. Exception Cleared.<br>Buyer Comment (2025-11-20): Please see DOC ID #[redacted] as ITIN letter along with CPA letter is in file. CPA letter is sufficient per guidelines to be provided with ITIN over [redacted] years old | 11/23/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 225404249 | XXXX | 12025100789 |  | 36171495 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided |  | [redacted] Rent Comparison Schedule is required to mitigate this exception. |  |  |  | Reviewer Comment (2025-11-24): Page [redacted] (page [redacted] of Appraisal) where rent Schedule and comparable rent is listed on Doc ID #[redacted] is already available in the file, Validated and updated. Exception Cleared.<br>Buyer Comment (2025-11-20): [redacted]-Please see Pages [redacted] (Page [redacted] of Appraisal) where rent Schedule and Comparable rent is listed on DOC ID #[redacted] | 11/24/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 225404252 | XXXX | 12025101697 |  | 36171502 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion is required for borrower living rent free. |  |  |  | Reviewer Comment (2025-11-28): Updated [redacted] reflecting UW discretion received<br>Buyer Comment (2025-11-25): uw discretion | 11/28/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 225404253 | XXXX | 12025093135 |  | 36171504 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | File is missing final signed and dated 1003 with corrected citizenship. |  |  |  | Reviewer Comment (2025-12-08): Corrected [redacted] and e-sign verification.<br>Buyer Comment (2025-12-08): Please see attached | 12/08/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 225404265 | XXXX | 12025091932 |  | 36171540 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-12-04): For alt doc loans - Letter from tax preparer confirming they have filed the borrower's most <br> recent tax return with the IRS is acceptable for ITIN.<br>Buyer Comment (2025-12-02): ITIN loan- cpa letter used to determine ITIN | 12/04/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 225404269 | XXXX | 12025092404 |  | 36171553 |  | 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. | Loan estimate not delivered to borrower within [redacted] business days of application. |  |  |  | Reviewer Comment (2025-11-14): [redacted]received earliest e-consent dated [redacted]<br>Buyer Comment (2025-11-13): Please see attached E Sign Summary for LE dated [redacted] | 11/14/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 225404269 | XXXX | 12025092404 |  | 36171559 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Attorney conducted closing per state requirements and per page [redacted] of final CD, and fee is tested as Title - Closing/Settlement Fee. Cure is required. |  |  |  | Reviewer Comment (2025-11-26): [redacted] received PCCD and LOE.<br>Buyer Comment (2025-11-25): Please see attached LOA & PCCD |  | 11/26/2025 |  | 2 B |  | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Exempt from ATR | Exempt from ATR | Yes |
| 225404269 | XXXX | 12025092404 |  | 36171560 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Attorney conducted closing per state requirements and per page [redacted] of final CD, and fee is tested as Title - Closing/Settlement Fee. Cure is required. |  |  |  | Reviewer Comment (2025-11-26): [redacted] received PCCD and LOE.<br>Buyer Comment (2025-11-25): Please see trailing document - LOA & PCCD |  | 11/26/2025 |  | 2 B |  | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Exempt from ATR | Exempt from ATR | Yes |
| 225404270 | XXXX | 12025101020 |  | 36171564 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted] | Seller closing disclosure was not provided. |  |  |  | Reviewer Comment (2025-12-05): [redacted] received Seller CD with Certified copy of the Final SS, and the transaction shows no seller paid fees.<br>Buyer Comment (2025-12-03): Please see attached Combined Settlement Statement.<br>Reviewer Comment (2025-11-25): [redacted] received certified copy of the seller CD. However, [redacted] also required certified Final settlement statement to verify the fees paid by seller at closing.<br>Buyer Comment (2025-11-25): Please see attached true and certified copy<br>Reviewer Comment (2025-11-21): [redacted] received seller CD, however we also require true & certified copy of final settlement statement to re-evaluate the exception.<br>Buyer Comment (2025-11-19): Please see attached Seller CD on the subject loan. | 12/05/2025 |  |  | 1 C A |  | CT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Exempt from ATR | Exempt from ATR | Yes |
| 225404270 | XXXX | 12025101020 |  | 36171565 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPA did not attest that they are not affiliated or associated with the borrower or the business. |  |  |  | Reviewer Comment (2025-11-19): Email from CPA.<br>Buyer Comment (2025-11-17): CPA EMAIL | 11/19/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 225404273 | XXXX | 12025101225 |  | 36171578 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-11-19): [redacted] received initial CD.<br>Buyer Comment (2025-11-18): PFA Snip | 11/19/2025 |  |  | 1 C A |  | SC | Primary | Purchase | No Defined Cure A | Exempt from ATR | Exempt from ATR | No |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| |
|:---|
| ![](ex99-1sch1_003.jpg) |
| **Rating Agency Grades** |
| **Run Date - 4/8/2026 3:10:18 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 223812610 | XXXX | XXXX | XXXX |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 224171220 | XXXX |  |  |  | C D |  | C | C | C | C | C | D | D | A |  | A | A | A | A | A | A | A |  |
| 224171221 | XXXX |  |  |  | A |  | C | C | C | C | C | D | D | A |  | B | B | B | B | B | A | B |  |
| 224171222 | XXXX |  |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 224171223 | XXXX |  |  |  | A |  | A | A | A | A | A | D | D | A |  | A | A | A | A | A | A | A |  |
| 224189959 | XXXX | XXXX |  |  | C |  | C | C | C | C | C | D | D | B |  | A | A | A | A | A | A | B |  |
| 224921001 | XXXX | XXXX |  |  | A |  | B | B | B | B | B | D | D | A |  | A | A | A | A | A | A | A |  |
| 224921003 | XXXX | XXXX |  |  | A |  | C | C | C | C | C | D | D | A |  | B | B | B | B | B | A | B |  |
| 224921005 | XXXX | XXXX |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 224921006 | XXXX | XXXX |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 224921008 | XXXX | XXXX |  |  | A |  | B | B | B | B | B | D | D | A |  | B | B | B | B | B | A | B |  |
| 224990900 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 224990902 | XXXX | XXXX |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 224990903 | XXXX | XXXX |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 224990905 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 224990907 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 224990909 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 224990911 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 224990913 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 224990945 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 224990947 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 224990949 | XXXX | XXXX |  |  | B |  | C | C | C | C | C | C | C | B |  | A | A | A | A | A | A | B |  |
| 224990951 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 224999411 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 224999412 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225006275 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225006276 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225006277 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225006278 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225033632 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225033635 | XXXX | XXXX |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 225033636 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225039819 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225060910 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225060911 | XXXX | XXXX |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 225060912 | XXXX | XXXX |  |  | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 225060913 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225060914 | XXXX | XXXX |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 225060915 | XXXX | XXXX |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 225063299 | XXXX | XXXX |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 225078351 | XXXX | XXXX |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 225146947 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338271 | XXXX | XXXX |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338272 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338273 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338274 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338276 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338277 | XXXX | XXXX |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338278 | XXXX | XXXX |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338279 | XXXX | XXXX |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338280 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338281 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338282 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338283 | XXXX | XXXX |  |  | 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 |  |
| 225338284 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338285 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338286 | XXXX | XXXX |  |  | 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 |  |
| 225338500 | XXXX | XXXX |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 225338501 | XXXX | XXXX |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 225338502 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225338504 | XXXX | XXXX |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 225338506 | XXXX | XXXX |  |  | C |  | B | B | B | B | B | A | C | A |  | A | A | A | A | A | A | A |  |
| 225338509 | XXXX | XXXX |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 225338510 | XXXX | XXXX |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 225338511 | XXXX | XXXX |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 225338513 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225338844 | XXXX | XXXX |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 225338845 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338846 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338847 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338848 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338849 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225338851 | XXXX | XXXX |  |  | B |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 225338852 | XXXX | XXXX |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 225338853 | XXXX | XXXX |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| 225338857 | XXXX | XXXX |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 225338858 | XXXX | XXXX |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 225338859 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225338860 | XXXX | XXXX |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 225338861 | XXXX | XXXX |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 225338863 | XXXX | XXXX |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 225390456 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390457 | XXXX | XXXX |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390458 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390459 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390460 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390461 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390462 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390463 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390464 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390465 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390466 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390467 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390468 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390469 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390470 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390471 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390472 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225390473 | XXXX | XXXX |  |  | 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 |  |
| 225390474 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225390475 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225390477 | XXXX | XXXX |  |  | B |  | B | C | B | C | B | A | B C | B |  | A | B | B | B | A | A | B |  |
| 225404237 | XXXX | XXXX |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404238 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404239 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404240 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404241 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404242 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 225404243 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 225404244 | XXXX | XXXX |  |  | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404245 | XXXX | XXXX |  |  | B |  |  |  |  |  |  | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404246 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404247 | XXXX | XXXX |  |  | C D |  |  |  |  |  |  | A | C D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 225404248 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404249 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404251 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404252 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404253 | XXXX | XXXX |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 225404262 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225404263 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225404264 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225404265 | XXXX | XXXX |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 225404266 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225404267 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225404268 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225404269 | XXXX | XXXX |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 225404270 | XXXX | XXXX |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 225404271 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225404273 | XXXX | XXXX |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 225404274 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225404275 | XXXX | XXXX |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 225406191 | XXXX | XXXX |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| |
|:---|
| ![](ex99-1sch1_005.jpg) |
| **Valuation Report** |
| **Run Date - 4/8/2026 3:10:18 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 223812610 | XXXX | XXXX | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 224171220 | XXXX |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224171221 | XXXX |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224171222 | XXXX |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| 224171223 | XXXX |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224189959 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224921001 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224921003 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224921005 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224921006 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224921008 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224990900 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 224990902 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 224990903 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224990905 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224990907 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224990909 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224990911 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224990913 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224990945 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 224990947 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224990949 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.600% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224990951 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 224999411 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| 224999412 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 225006275 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.830% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 225006276 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225006277 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225006278 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225033632 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 225033635 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225033636 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 225039819 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225060910 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 225060911 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225060912 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 225060913 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225060914 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225060915 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 225063299 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 225078351 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225146947 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 225338271 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338272 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338273 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338274 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338276 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338277 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338278 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.380% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338279 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338280 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.620% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338281 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338282 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.980% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338283 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.790% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338284 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338285 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338286 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338500 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 225338501 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| 225338502 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338504 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338506 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 225338509 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338510 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338511 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338513 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.390% |  |  | Appraisal |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225338844 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225338845 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 225338846 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225338847 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 225338848 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| 225338849 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225338851 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 225338852 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.060% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 225338853 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| 225338857 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 225338858 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 225338859 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225338860 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225338861 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 |
| 225338863 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 225390456 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225390457 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225390458 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.060% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 225390459 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225390460 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225390461 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225390462 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 225390463 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 225390464 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 225390465 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225390466 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225390467 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 225390468 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225390469 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225390470 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225390471 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 225390472 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 225390473 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 225390474 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 225390475 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225390477 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 225404237 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 225404238 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225404239 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225404240 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225404241 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225404242 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225404243 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225404244 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225404245 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225404246 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225404247 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| 225404248 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 225404249 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225404251 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 225404252 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 225404253 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225404262 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 225404263 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 225404264 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225404265 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225404266 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225404267 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225404268 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 225404269 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 225404270 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 225404271 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225404273 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225404274 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 225404275 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.110% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 225406191 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

---

| |
|:---|
| ![](ex99-1sch1_004.jpg) |
| **Supplemental Data** |
| **Run Date - 4/8/2026 3:10:20 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** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Amortization Term Less IO** |
| 223812610 | XXXX | XXXX | XXXX | Non QM |  |  |  | Yes | No | $31870.00 | $36804.34 |  | 7.400% | $4434.27 | $4434.27 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12600.42 | 1 | $12219.72 | $3456.60 | $1018.31 | $288.05 |  |  |  |  |  | 38.759% | 38.759% | 38.759% | 04/21/2022 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [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 - 2022<br> [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 - 2022<br> [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 - 2022<br> [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 - 2022<br> [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 - 2022<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 - 2022<br> [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 - 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]; Account Statements - Business - 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]; Account Statements - Business - 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]; Account Statements - Business - 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]; Account Statements - Business - 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]; Account Statements - Business - 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]; Account Statements - Business - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $31870.00 |  | 5.330% | $10000.00 | 1.1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 224171220 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $7482.50 | $9332.50 |  | 10.862% | $1923.99 | $1923.99 | 10.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $2711.48 | 1 | $6652.56 | $2520.00 | $554.38 | $210.00 |  |  |  |  |  | 49.786% | 49.786% | 49.786% | 06/24/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7482.50 |  | 6.630% | $0.00 |  |  |  |  | N/A | No | 10.375% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 5.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 224171221 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $150.00 | $2120.47 |  | 8.860% | $1538.14 | $1538.14 | 8.750% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $4685.17 | 1 | $5716.08 | $1019.04 | $476.34 | $84.92 |  |  |  |  |  | 32.166% | 32.166% | 32.166% | 08/28/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $150.00 |  | 6.750% | $4411.87 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No | 10 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 12.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 224171222 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $7493.00 | $8928.44 |  | 9.467% | $1273.03 | $1273.03 | 8.875% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $8418.21 | 1 | $8043.12 | $3602.04 | $670.26 | $300.17 |  |  |  |  |  | 35.245% | 35.245% | 35.245% | 07/30/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7493.00 |  | 6.630% | $0.00 | 1.2 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 31.68 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 224171223 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $0.00 | $1257.00 |  | 9.552% | $1547.17 | $1547.17 | 9.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $2961.80 | 1 | $5382.48 | $953.04 | $448.54 | $79.42 |  |  |  |  |  | 41.776% | 41.776% | 41.776% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | 6.540% | $4815.00 |  |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 46.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 224189959 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $2545.00 | $4882.32 |  | 8.669% | $1672.39 | $1672.39 | 8.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $6905.76 | 1 | $6957.24 | $1272.96 | $579.77 | $106.08 |  |  |  |  |  | 30.942% | 30.942% | 30.942% | 08/28/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2545.00 |  | 6.320% | $1843.75 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 4.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 224921001 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $15255.00 | $16274.88 |  | 9.179% | $2551.15 | $2551.15 | 8.625% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $6543.01 | 1 | $8374.08 | $2496.00 | $697.84 | $208.00 |  |  |  |  |  | 34.570% | 34.570% | 34.570% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15255.00 |  | 7.070% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 29.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 224921003 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $8781.00 | $9279.72 |  | 9.697% | $1542.65 | $1542.65 | 9.125% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXX | XXXX |  |  | $3928.35 | 1 | $4089.96 | $2474.04 | $340.83 | $206.17 |  |  |  |  |  | 35.190% | 35.190% | 35.190% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8781.00 |  | 6.920% | $0.00 |  |  |  |  | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No | 3 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Passport | Passport |  |  | No | 1.17 |  |  | No |  | $0.00 | $1993.33 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 | 360 |
| 224921005 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $811.60 | $1704.48 |  | 8.217% | $1366.19 | $1366.19 | 8.125% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $9711.03 | 1 | $5273.04 | $2175.96 | $439.42 | $181.33 |  |  |  |  |  | 20.316% | 20.316% | 20.316% | 11/15/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $811.60 |  | 6.270% | $647.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 6.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 224921006 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $7096.99 | $8706.86 |  | 9.130% | $1968.66 | $1968.66 | 8.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $6360.77 | 1 | $3546.00 | $1627.56 | $295.50 | $135.63 |  |  |  |  |  | 33.281% | 33.281% | 33.281% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7096.99 |  | 6.290% | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 42.57 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 224921008 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $11113.20 | $14440.58 |  | 8.370% | $2073.70 | $2073.70 | 7.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXX | XXXX |  |  | $10385.30 | 1 | $7866.60 | $3766.08 | $655.55 | $313.84 |  |  |  |  |  | 33.909% | 33.909% | 33.909% | 11/17/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11113.20 |  | 6.190% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  | Passport | Passport |  |  |  | 33.47 |  | Yes | No |  | $10000.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 2 | 360 |
| 224990900 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1585.94 | $1585.94 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $7794.84 | $1094.88 | $649.57 | $91.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 187.8 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| 224990902 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $4262.65 | $4262.65 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3891.48 | $3179.04 | $324.29 | $264.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.24 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 224990903 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2072.03 | $2072.03 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $3605.40 | $2856.24 | $300.45 | $238.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 91.49 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 224990905 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $4549.35 | $4549.35 | 6.999% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $17247.48 | $5340.96 | $1437.29 | $445.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.8 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| 224990907 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $3751.99 | $3751.99 | 9.499% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $8280.00 | $1509.60 | $690.00 | $125.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/28/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.29 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.8 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 224990909 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $3599.60 | $3599.60 | 8.999% | No | No |  |  |  |  | 0 |  |  | US Citizen | N/A |  |  |  |  |  |  | 2 | $12626.40 | $1545.00 | $1052.20 | $128.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.81 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| 224990911 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1603.45 | $1603.45 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4955.76 | $2317.68 | $412.98 | $193.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/17/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.17 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 224990913 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $643.51 | $643.51 | 6.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2085.72 | $2247.96 | $173.81 | $187.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.58 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | 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 | 42.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 224990945 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $19111.00 | $22404.50 |  | 10.076% | $6316.50 | $6316.50 | 9.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16758.03 | 1 | $16606.44 | $8630.88 | $1383.87 | $719.24 |  |  |  |  |  | 47.241% | 47.241% | 47.241% | 10/20/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [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 - 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]; CPA Letter - 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 - 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]; Third Party Verification - 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]; Third Party Verification - 2025<br> [Borrower - \| Non-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 - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-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 - \| Non-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 - 2025<br> [Borrower - \| Non-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 - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19111.00 |  | 6.170% | $13500.00 | 1.4 |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 224990947 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $27054.24 | $32975.07 |  | 7.905% | $5258.09 | $5258.09 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $35774.42 | 1 | $14790.00 | $3957.96 | $1232.50 | $329.83 |  |  |  |  |  | 22.097% | 22.097% | 22.097% | 09/24/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [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 - 2025<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 - 2025<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 - 2025<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 - 2025<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 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $27054.24 |  | 6.310% | $16600.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 24.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 224990949 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $17843.38 | $4172.73 |  | 8.913% | $5647.09 | $5647.09 | 8.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18833.46 | 1 | $10656.24 | $2029.68 | $888.02 | $169.14 |  |  |  |  |  | 41.461% | 41.461% | 41.461% | 09/17/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17843.38 |  | 6.160% | $2693.31 |  |  |  |  | N/A | No | 8.875% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 9.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 224990951 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $18852.75 | $20924.40 |  | 9.212% | $5403.62 | $5403.62 | 8.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16706.37 | 1 | $8077.92 | $5832.00 | $673.16 | $486.00 |  |  |  |  |  | 42.551% | 42.551% | 42.551% | 10/08/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| 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: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| 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: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18852.75 |  | 6.230% | $2500.00 | 1.2 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 6.58 |  |  | No |  | $18373.47 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 224999411 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2606.07 | $2606.07 | 6.625% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | $11492.16 | $4067.28 | $957.68 | $338.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1.5 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.5 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 224999412 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $6471.24 | $6471.24 | 7.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $9628.56 | $4385.04 | $802.38 | $365.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | 64.77 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225006275 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1412.38 | $1412.38 | 8.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4764.36 | $653.04 | $397.03 | $54.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.99 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225006276 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $960.76 | $960.76 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3109.80 | $2008.80 | $259.15 | $167.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.18 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225006277 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $5186.58 | $5186.58 | 7.490% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $18596.04 | $6285.36 | $1549.67 | $523.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/15/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.4 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225006278 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1643.16 | $1643.16 | 9.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $5820.24 | $4866.96 | $485.02 | $405.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.95 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225033632 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1824.89 | $1824.89 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3148.92 | $756.00 | $262.41 | $63.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 5 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.8 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 5 | 0 | 0 | 2 | 1 | 0 | No | No | No | No | 2 | 360 |
| 225033635 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $46590.00 | $54348.70 |  | 7.493% | $9903.66 | $9903.66 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20139.66 | 1 | $20937.48 | $8158.68 | $1744.79 | $679.89 |  |  |  |  |  | 42.458% | 42.458% | 42.458% | 10/26/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $46590.00 |  | 6.230% | $5000.00 | 2.6 |  |  |  | Yes | No | 7.125% | 0 |  | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.49 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225033636 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $8438.00 | $12720.34 |  | 7.314% | $2273.04 | $2273.04 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15180.27 | 1 | $2563.20 | $3477.96 | $213.60 | $289.83 |  |  |  |  |  | 26.944% | 26.944% | 26.944% | 10/27/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8438.00 |  | 6.190% | $0.00 | 2.6 |  |  |  | Yes | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.13 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225039819 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1296.38 | $1296.38 | 6.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5644.08 | $456.00 | $470.34 | $38.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.72 | 0.57 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 180 |
| 225060910 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1292.48 | $1292.48 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6701.16 | $3338.04 | $558.43 | $278.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.35 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 240 |
| 225060911 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $4899.30 | $4899.30 | 6.999% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $20170.92 | $19592.52 | $1680.91 | $1632.71 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/11/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 94.94 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| 225060912 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $12377.19 | $14595.79 |  | 9.096% | $3553.92 | $3553.92 | 8.750% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8576.95 | 1 | $2838.00 | $8421.00 | $236.50 | $701.75 |  |  |  |  |  | 44.770% | 44.770% | 44.770% | 09/18/2025 | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12377.19 |  | 6.230% | $0.00 | 1.8 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 100.72 |  |  | No |  | $1817.76 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225060913 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $8795.00 | $11146.90 |  | 7.976% | $2865.65 | $2865.65 | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11983.51 | 1 | $4088.28 | $3101.76 | $340.69 | $258.48 |  |  |  |  |  | 36.864% | 36.864% | 36.864% | 11/03/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 55.000% | 49.000% | 51.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| 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: 49.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8795.00 |  | 6.230% | $8000.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 13.48 | Retail | Yes | No |  | $5332.07 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225060914 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $11555.93 | $18258.17 |  | 9.556% | $6716.38 | $6716.38 | 9.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $78469.18 | 2 | $14250.00 | $2753.28 | $1187.50 | $229.44 |  |  |  |  |  | 12.702% | 12.702% | 12.702% | 10/07/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [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 - 2025<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 - 2025<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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<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 - 2025<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 - 2015<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 - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11555.93 |  | 6.190% | $0.00 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.72 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225060915 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $11678.99 | $5802.81 |  | 7.984% | $1821.48 | $1821.48 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3945.24 | 1 | $4529.64 | $2335.20 | $377.47 | $194.60 |  |  |  |  |  | 49.810% | 49.810% | 49.810% | 12/15/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 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 |  | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11678.99 |  | 6.270% | $0.00 | 1.1 |  |  |  | N/A | No | 7.750% | 1 |  | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225063299 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $5182.00 | $6162.52 |  | 8.176% | $1380.53 | $1380.53 | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | Non-Permanent Resident Alien |  |  |  | XXXX |  |  | $8018.00 | 1 | $2662.08 | $2247.72 | $221.84 | $187.31 |  |  |  |  |  | 25.633% | 25.633% | 25.633% | 08/30/2021 | 625 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| 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 - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | Alt |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5182.00 |  | 3.060% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX |  |  |  |  |  |  | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Other | FICO Risk Score Classic 04 |  | Other | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Passport |  |  |  | 4.89 |  |  | No |  | $10781.68 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225078351 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $3005.45 | $3005.45 | 6.875% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 2 | $8909.52 | $2262.00 | $742.46 | $188.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 51.36 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225146947 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $6240.49 | $6240.49 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6000.00 | $2422.92 | $500.00 | $201.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.45 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225338271 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2099.89 | $2099.89 | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $6854.76 | $2285.04 | $571.23 | $190.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | 229.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225338272 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1278.28 | $1278.28 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6155.40 | $3232.92 | $512.95 | $269.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 141.99 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| 225338273 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2838.61 | $2838.61 | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2517.48 | $1818.96 | $209.79 | $151.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/10/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.93 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| 225338274 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1911.04 | $1911.04 | 7.625% | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $4015.92 | $3647.16 | $334.66 | $303.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/02/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | 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 |  |  |  |  |  | 6.71 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225338276 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1023.99 | $1023.99 | 7.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $3677.88 | $2034.00 | $306.49 | $169.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | 233.15 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| 225338277 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1463.48 | $1463.48 | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $5835.12 | $3603.00 | $486.26 | $300.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | 100.42 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225338278 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $3517.76 | $3517.76 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1880.76 | $1706.04 | $156.73 | $142.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 21.05 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| 225338279 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1171.78 | $1171.78 | 7.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2746.56 | $1791.96 | $228.88 | $149.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | 161.8 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225338280 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1371.09 | $1371.09 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5440.08 | $2559.60 | $453.34 | $213.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 330.1 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 240 |
| 225338281 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1982.81 | $1982.81 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5369.76 | $1678.56 | $447.48 | $139.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 242.94 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| 225338282 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1036.24 | $1036.24 | 7.500% | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $854.88 | $3567.00 | $71.24 | $297.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/19/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | 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 | 23.13 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225338283 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2728.52 | $2728.52 | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 10 | $1085.16 | $4064.52 | $90.43 | $338.71 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.42 | 0.29 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | 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 |  |  |  |  |  |  |  |  | 107.75 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| 225338284 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2728.52 | $2728.52 | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $10908.96 | $4344.96 | $909.08 | $362.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.25 | 0.44 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | 27.28 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 |
| 225338285 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1987.85 | $1987.85 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3557.28 | $1726.32 | $296.44 | $143.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/05/2026 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 17.93 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| 225338286 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1854.46 | $1854.46 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4709.04 | $1833.48 | $392.42 | $152.79 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/01/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 170.04 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225338500 | XXXX | XXXX |  | N/A |  |  |  | No | No | $21973.25 | $15455.95 |  | 8.127% | $1713.08 | $1713.08 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $4320.66 | 1 | $5390.04 | $2649.48 | $449.17 | $220.79 |  |  |  |  |  | 41.027% | 41.027% | 41.027% | 08/07/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024 | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21973.25 |  | 6.630% | $0.00 | 1.1 |  |  |  | N/A | No | 7.500% | 0 |  | 1 | 0 | 1 | 1 |  |  | 8.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 46.29 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225338501 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $1710.00 | $2166.43 |  | 9.187% | $1894.95 | $1894.95 | 9.125% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $9396.23 | 1 | $2424.96 | $2072.64 | $202.08 | $172.72 |  |  |  |  |  | 22.697% | 22.697% | 22.697% | 08/29/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1710.00 |  | 6.540% | $6500.00 | 2 |  |  |  | No | No | 9.125% | 1 |  | 1 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 7.73 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225338502 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $13179.00 | $14278.95 |  | 8.244% | $2131.33 | $2131.33 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $12597.48 | 1 | $1653.84 | $969.00 | $137.82 | $80.75 |  |  |  |  |  | 16.370% | 16.370% | 16.370% | 09/09/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [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 - 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 - 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]; Third Party Verification - 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]; Third Party Verification - 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]; CPA Letter - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13179.00 |  | 6.320% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 12.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225338504 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $15745.00 | $18123.45 |  | 7.829% | $3985.52 | $3985.52 | 7.500% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | Non-Permanent Resident Alien |  |  |  |  |  |  | $8885.84 | 1 | $9265.08 | $3534.96 | $772.09 | $294.58 |  |  |  |  |  | 36.760% | 36.760% | 36.760% | 08/14/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15745.00 |  | 6.540% | $0.00 |  |  |  |  | N/A | No | 7.500% | 1 | 1 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | 57.4 |  | No | No |  | $11104.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 |
| 225338506 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $0.00 | $519.10 |  | 6.750% | $3591.29 | $3591.29 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9781.55 | 1 | $7859.04 | $2418.00 | $654.92 | $201.50 |  |  |  |  |  | 42.742% | 42.742% | 42.742% | 09/09/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX |  |  | 6.320% | $0.00 | 1.8 |  |  |  | N/A | No | 6.750% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No | 32 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 25.33 |  |  | No |  | $0.00 | $4583.32 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225338509 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $12892.50 | $2476.54 |  | 7.805% | $3474.60 | $3474.60 | 7.750% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXX | XXXX |  |  | $4264.44 | 1 | $2345.28 | $1770.96 | $195.44 | $147.58 |  |  |  |  |  | 47.301% | 47.301% | 47.301% | 10/14/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12892.50 |  | 6.260% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No | 34 | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  | Employment Authorization, Passport | Employment Authorization, Passport |  |  | No | 7.82 |  |  | No |  | $0.00 | $3097.40 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 | 360 |
| 225338510 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $11214.28 | $13013.97 |  | 7.344% | $2559.76 | $2559.76 | 7.000% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXX | XXXX |  |  | $6675.33 | 1 | $6481.20 | $1196.04 | $540.10 | $99.67 |  |  |  |  |  | 32.401% | 32.401% | 32.401% | 09/16/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11214.28 |  | 6.240% | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No | 33 | 32 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  | No | 7.84 |  |  | No |  | $0.00 | $3966.32 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 | 360 |
| 225338511 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $15049.00 | $19680.61 |  | 7.603% | $3595.07 | $3595.07 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $10330.89 | 1 | $11562.12 | $1592.04 | $963.51 | $132.67 |  |  |  |  |  | 33.594% | 33.594% | 33.594% | 10/31/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [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 - Personal - 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]; CPA Letter - 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 - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15049.00 |  | 6.260% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 38.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225338513 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $79832.50 | $96089.57 |  | 7.526% | $21198.63 | $21198.63 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $239332.88 | 1 | $32587.44 | $28351.32 | $2715.62 | $2362.61 |  |  |  |  |  | 12.091% | 12.091% | 12.091% | 08/19/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<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<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| 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: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $79832.50 |  | 6.190% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 28.51 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225338844 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $867.71 | $867.71 | 8.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $1991.76 | $420.00 | $165.98 | $35.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/02/2025 | 620 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 46.56 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225338845 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1969.10 | $1969.10 | 8.125% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $3713.64 | $1403.04 | $309.47 | $116.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/17/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 93.59 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225338846 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1136.11 | $1136.11 | 7.499% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5462.64 | $1447.44 | $455.22 | $120.62 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/21/2025 | 637 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.85 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 |
| 225338847 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1284.61 | $1284.61 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3099.96 | $1040.04 | $258.33 | $86.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/15/2025 | 635 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.49 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225338848 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1366.19 | $1366.19 | 8.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4080.96 | $1065.96 | $340.08 | $88.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/10/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 2.8 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.15 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| 225338849 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $4229.49 | $4229.49 | 7.250% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | 4 | $9687.48 | $2600.04 | $807.29 | $216.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | 20.08 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225338851 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $8761.39 | $10194.93 |  | 7.726% | $1926.36 | $1926.36 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8659.11 | 1 | $1487.52 | $1065.96 | $123.96 | $88.83 |  |  |  |  |  | 43.560% | 43.560% | 43.560% | 10/02/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Third Party Verification \| # 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: 10.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2017 | [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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8761.39 |  | 6.260% | $14302.72 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.6 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225338852 | XXXX | XXXX |  | N/A |  |  |  | No | No | $61835.00 | $12852.25 |  | 7.273% | $13507.09 | $13507.09 | 7.250% | No | No | Not Employed | Non-Employment Income | Non-Employment Income |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | $70673.34 | 1 | $9157.56 | $11397.96 | $763.13 | $949.83 |  |  |  |  |  | 42.061% | 42.061% | 42.061% | 11/03/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 |  | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $61835.00 |  | 6.190% | $0.00 | 2.3 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  | 1102.82 | Retail | No | Yes |  | $121978.16 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225338853 | XXXX | XXXX |  | N/A |  |  |  | No | No | $12149.38 | $4075.17 |  | 6.980% | $2177.72 | $2177.72 | 6.875% | No | No | Not Employed | Not Employed | Non-Employment Income |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | $9974.87 | 1 | $5418.84 | $4926.72 | $451.57 | $410.56 |  |  |  |  |  | 38.515% | 38.515% | 38.515% | 11/14/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2025 |  | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12149.38 |  | 6.270% | $0.00 | 4.5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  | No | 388.82 | Retail | No | No |  | $16223.26 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225338857 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $25025.80 | $28375.67 |  | 8.711% | $4627.80 | $4627.80 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41918.99 | 1 | $13271.88 | $8477.04 | $1105.99 | $706.42 |  |  |  |  |  | 14.670% | 14.670% | 14.670% | 12/13/2025 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020 | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25025.80 |  | 6.180% | $15000.00 | 1.6 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 5 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.59 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225338858 | XXXX | XXXX |  | N/A |  |  |  | Yes | No | $12732.00 | $15350.75 |  | 9.200% | $2753.45 | $2753.45 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $150573.70 | 1 | $8653.80 | $3856.68 | $721.15 | $321.39 |  |  |  |  |  | 9.240% | 9.240% | 9.240% | 12/15/2025 | 615 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| 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: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-T - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-T - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12732.00 |  | 6.180% | $0.00 | 1 |  |  |  | Yes | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| 225338859 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $36768.75 | $43285.75 |  | 7.694% | $8733.59 | $8733.59 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42434.10 | 1 | $14336.88 | $4168.44 | $1194.74 | $347.37 |  |  |  |  |  | 27.219% | 27.219% | 27.219% | 12/23/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 98.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| 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: 98.00% \| 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: 98.00% \| 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: 98.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 98.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $36768.75 |  | 6.250% | $135200.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.22 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225338860 | XXXX | XXXX |  | N/A |  |  |  | Yes | No | $13782.00 | $16388.11 |  | 9.318% | $3063.23 | $3063.23 | 8.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $152448.70 | 2 | $5092.20 | $4284.96 | $424.35 | $357.08 |  |  |  |  |  | 8.110% | 8.110% | 8.110% | 12/15/2025 | 615 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-T - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-T - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13782.00 |  | 6.180% | $0.00 |  |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.23 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| 225338861 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $17190.00 | $20855.68 |  | 8.044% | $5265.63 | $5265.63 | 7.750% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $61477.21 | 1 | $13482.72 | $3804.00 | $1123.56 | $317.00 |  |  |  |  |  | 20.165% | 20.165% | 20.165% |  | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17190.00 |  | 6.180% | $0.00 | 3.1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 15.29 | Retail | No | No |  | $77004.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| 225338863 | XXXX | XXXX |  | N/A |  |  |  | Yes | No | $5159.00 | $6489.61 |  | 7.904% | $1048.72 | $1048.72 | 7.499% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16093.14 | 1 | $3379.32 | $1263.00 | $281.61 | $105.25 |  |  |  |  |  | 22.316% | 22.316% | 22.316% | 12/10/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # 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: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5159.00 |  | 6.140% | $0.00 | 1.6 |  |  |  | No | No | 7.499% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.64 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225390456 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1243.22 | $1243.22 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1132.08 | $1056.96 | $94.34 | $88.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 23.84 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| 225390457 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $6935.91 | $6935.91 | 9.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $7407.12 | $2606.04 | $617.26 | $217.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.01 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 |
| 225390458 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2594.39 | $2594.39 | 6.750% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $9204.48 | $3780.12 | $767.04 | $315.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/28/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.84 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225390459 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $4365.93 | $4365.93 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $14627.40 | $8064.96 | $1218.95 | $672.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.97 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225390460 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1718.75 | $1718.75 | 6.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $3681.48 | $882.00 | $306.79 | $73.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.33 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 240 |
| 225390461 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $985.39 | $985.39 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2869.68 | $4320.96 | $239.14 | $360.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/28/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 85.21 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225390462 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $4911.67 | $4911.67 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $25726.44 | $3627.96 | $2143.87 | $302.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/23/2025 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 3.8 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.49 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225390463 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1339.69 | $1339.69 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4712.64 | $3639.36 | $392.72 | $303.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.1 | 0.48 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 33.7 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| 225390464 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2154.66 | $2154.66 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4491.00 | $975.96 | $374.25 | $81.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/22/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 4.1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.57 | 0.39 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1.53 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225390465 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2932.50 | $2932.50 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $7704.36 | $5088.24 | $642.03 | $424.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.24 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 |
| 225390466 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $5342.88 | $5342.88 | 8.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $6419.64 | $3654.00 | $534.97 | $304.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.26 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225390467 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $817.50 | $817.50 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $905.76 | $1100.88 | $75.48 | $91.74 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/27/2025 | 638 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.68 | 0.6 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 3.91 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225390468 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2338.33 | $2338.33 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $7409.64 | $4018.92 | $617.47 | $334.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  | 240 | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 3.07 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 |
| 225390469 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2311.16 | $2311.16 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4458.84 | $843.00 | $371.57 | $70.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/17/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 62.99 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225390470 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1015.29 | $1015.29 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3783.24 | $1825.92 | $315.27 | $152.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/13/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 11 |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.95 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225390471 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1083.93 | $1083.93 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2423.52 | $3131.04 | $201.96 | $260.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/11/2025 | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 4.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 333.24 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225390472 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2528.27 | $2528.27 | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $8353.68 | $4000.92 | $696.14 | $333.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/30/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.4 | 0.42 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.28 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 |
| 225390473 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2375.13 | $2375.13 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $11837.64 | $3060.36 | $986.47 | $255.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/23/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.28 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 |
| 225390474 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $12367.00 | $14370.36 |  | 7.334% | $2661.21 | $2661.21 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3618.64 | 1 | $6625.80 | $4013.04 | $552.15 | $334.42 |  |  |  |  |  | 49.527% | 49.527% | 49.527% | 10/21/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2023 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12367.00 |  | 6.170% | $0.00 | 4.2 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225390475 | XXXX | XXXX |  | Non QM |  |  |  | Yes | No | $7095.00 | $0.00 |  | 7.466% | $1931.58 | $1931.58 | 7.500% | No | No | Self-Employed | Self-Employed | Self-Employed |  | 2.21 |  | Non-Permanent Resident Alien | Permanent Resident Alien | Non-Permanent Resident Alien |  | XXXX |  | XXXX |  | $5467.12 | 1 | $3863.04 | $703.68 | $321.92 | $58.64 |  |  |  |  |  | 37.635% | 37.635% | 37.635% | 12/26/2025 | 700 | 683 | 713 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 72 | Personal, Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| 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 - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| 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 - 2025<br> [Coborrower(s) - \| 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 - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7095.00 |  | 6.250% | $31000.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | 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 |  |  |  | Employment Authorization | Resident Alien Card | Employment Authorization |  |  | 10.3 |  |  | No |  | $4146.55 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| 225390477 | XXXX | XXXX |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $1750.00 | $5042.23 |  | 8.652% | $7329.89 | $7329.89 | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33275.18 | 1 | $7444.56 | $8834.04 | $620.38 | $736.17 |  |  |  |  |  | 26.467% | 26.467% | 26.467% | 06/10/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<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 - 2025<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 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1750.00 |  | 6.750% | $0.00 | 2.5 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.48 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| 225404237 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1227.25 | $1227.25 | 8.750% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $6042.36 | $1650.96 | $503.53 | $137.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.52 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404238 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2688.14 | $2688.14 | 7.125% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $9155.76 | $1638.96 | $762.98 | $136.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.42 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404239 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1624.54 | $1624.54 | 7.750% | No | No |  |  |  |  | 0 |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | 1 | $4929.48 | $2517.00 | $410.79 | $209.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 12.93 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | Yes | No | 1 | 360 |
| 225404240 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1443.80 | $1443.80 | 9.250% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $2192.40 | $839.04 | $182.70 | $69.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.49 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 4 | 360 |
| 225404241 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $3537.00 | $3537.00 | 8.500% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $13212.84 | $3119.04 | $1101.07 | $259.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.98 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 3 | 360 |
| 225404242 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2736.26 | $2736.26 | 8.375% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $7102.32 | $2270.88 | $591.86 | $189.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 72.07 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404243 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2122.20 | $2122.20 | 8.500% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $691.08 | $1465.44 | $57.59 | $122.12 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/06/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.45 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404244 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $944.04 | $944.04 | 8.750% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $7047.00 | $2985.00 | $587.25 | $248.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.39 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404245 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1632.39 | $1632.39 | 9.750% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $3455.64 | $2196.60 | $287.97 | $183.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.11 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404246 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1456.45 | $1456.45 | 7.250% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $5246.88 | $2299.20 | $437.24 | $191.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.99 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | Yes | No | No | 1 | 360 |
| 225404247 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1982.60 | $1982.60 | 9.625% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $4798.20 | $2907.72 | $399.85 | $242.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/07/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 9.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.28 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | Yes | No | No | No | 2 | 360 |
| 225404248 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1236.06 | $1236.06 | 9.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $560.76 | $2231.04 | $46.73 | $185.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/01/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.85 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404249 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2813.98 | $2813.98 | 7.250% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $7452.00 | $1961.04 | $621.00 | $163.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/07/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 68.75 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404251 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $1426.33 | $1426.33 | 8.500% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $5288.52 | $2623.32 | $440.71 | $218.61 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.25 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 |
| 225404252 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $3620.18 | $3620.18 | 8.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | $5372.16 | $3630.96 | $447.68 | $302.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 58.93 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404253 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $2128.20 | $2128.20 | 8.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $4830.00 | $3072.00 | $402.50 | $256.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.97 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | No | No | 1 | 360 |
| 225404262 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $3964.00 | $5903.66 |  | 9.963% | $918.25 | $918.25 | 9.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $5826.17 | 1 | $2448.96 | $1010.04 | $204.08 | $84.17 |  |  |  |  |  | 22.469% | 22.469% | 22.469% | 09/16/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3964.00 |  | 6.310% | $1005.00 | 3.6 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 4.03 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404263 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $6630.00 | $7540.63 |  | 8.279% | $1377.63 | $1377.63 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $2957.93 | 1 | $2676.96 | $1532.28 | $223.08 | $127.69 |  |  |  |  |  | 37.217% | 37.217% | 37.217% |  | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [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) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6630.00 |  | 6.320% | $0.00 | 4.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 |  |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 51.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404264 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $6645.00 | $10678.89 |  | 8.905% | $2152.96 | $2152.96 | 8.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $12434.95 | 1 | $2113.32 | $740.04 | $176.11 | $61.67 |  |  |  |  |  | 22.046% | 22.046% | 22.046% | 07/26/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6645.00 |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 12.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404265 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $6700.10 | $7260.28 |  | 8.256% | $1451.59 | $1451.59 | 7.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $4011.68 | 1 | $4490.88 | $1163.04 | $374.24 | $96.92 |  |  |  |  |  | 48.689% | 48.689% | 48.689% | 08/08/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6700.10 |  | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 29.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404266 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $5112.50 | $7270.90 |  | 8.442% | $1741.16 | $1741.16 | 8.125% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $12635.46 | 1 | $783.12 | $963.96 | $65.26 | $80.33 |  |  |  |  |  | 14.197% | 14.197% | 14.197% | 09/22/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5112.50 |  | 6.310% | $700.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 4.97 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404267 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $8204.00 | $9759.70 |  | 10.028% | $1477.19 | $1477.19 | 9.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $10705.00 | 1 | $4749.96 | $1572.96 | $395.83 | $131.08 |  |  |  |  |  | 16.159% | 16.159% | 16.159% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8204.00 |  | 6.240% | $1505.00 | 1 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Employment Authorization, Passport |  |  |  |  | 56.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404268 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $11175.00 | $16184.61 |  | 10.690% | $4382.17 | $4382.17 | 10.375% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $12773.99 | 1 | $3242.04 | $2655.96 | $270.17 | $221.33 |  |  |  |  |  | 38.309% | 38.309% | 38.309% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [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) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11175.00 |  | 6.240% | $0.00 |  |  |  |  | N/A | No | 10.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Employment Authorization, Passport |  |  |  |  | 15.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404269 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $11495.00 | $11876.25 |  | 8.993% | $2800.04 | $2800.04 | 8.625% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $4691.98 | 1 | $6570.72 | $1361.04 | $547.56 | $113.42 |  |  |  |  |  | 43.470% | 43.470% | 43.470% | 10/17/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [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) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11495.00 |  | 6.240% | $0.00 | 1.4 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404270 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $5355.00 | $7749.89 |  | 9.908% | $1580.81 | $1580.81 | 9.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $5570.57 | 1 | $5869.80 | $2698.68 | $489.15 | $224.89 |  |  |  |  |  | 34.949% | 34.949% | 34.949% | 09/29/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [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) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5355.00 |  | 6.240% | $0.00 | 2.6 |  |  |  | Yes | No | 9.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 10.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |
| 225404271 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $4501.59 | $6497.01 |  | 9.231% | $1392.38 | $1392.38 | 8.875% | No | No | Self-Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  | XXXX |  |  |  | $3541.12 | 1 | $1015.92 | $1934.04 | $84.66 | $161.17 |  |  |  |  |  | 41.181% | 41.181% | 41.181% | 08/06/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4501.59 |  | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  | FICO Classic V5 Facta |  |  |  |  |  |  |  | Passport |  |  |  | No | 100.41 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 | 360 |
| 225404273 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $5339.00 | $5582.99 |  | 9.395% | $1523.12 | $1523.12 | 9.125% | No | No | Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXX |  |  |  | $4444.97 | 1 | $1977.48 | $574.44 | $164.79 | $47.87 |  |  |  |  |  | 36.525% | 36.525% | 36.525% | 09/16/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 69.000% |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5339.00 |  | 6.240% | $10750.00 | 1 |  |  |  | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | 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 |  |  |  |  |  |  | VISA |  |  |  |  | 8.22 |  |  | No |  | $4860.75 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | 360 |
| 225404274 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $13145.00 | $15114.57 |  | 7.973% | $2153.58 | $2153.58 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | XXXX |  |  |  | $72869.28 | 1 | $7208.16 | $5325.60 | $600.68 | $443.80 |  |  |  |  |  | 7.793% | 7.793% | 7.793% | 09/27/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13145.00 |  | 6.240% | $5000.00 | 4.3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 19.19 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 2 | 360 |
| 225404275 | XXXX | XXXX |  | Exempt from ATR |  | Yes |  | Yes | No | $4978.98 | $6291.89 |  | 9.155% | $956.68 | $956.68 | 8.625% | No | No | Self-Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | XXXX | XXXX |  |  | $5692.21 | 1 | $1832.04 | $2312.04 | $152.67 | $192.67 |  |  |  |  |  | 19.819% | 19.819% | 19.819% |  | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4978.98 |  | 6.160% | $36505.00 | 1 |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Passport | Passport |  |  |  | 4.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 | 360 |
| 225406191 | XXXX | XXXX |  | N/A |  |  |  | No | No |  |  |  |  | $771.83 | $771.83 | 6.750% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $1494.24 | $654.96 | $124.52 | $54.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

**NARRATIVE**

**PRPM 2026-NQM2**

**By Canopy Financial Technology Partners LLC on April 09, 2026**

Canopy Financial Technology Partners LLC

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

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

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

![](ex99-2_001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by PRP-Annex VI AIV, LLC (the "Client") or its affiliated company. The Review was conducted from December 2024 to February 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of forty-seven (47) Loans with an aggregate principal balance of $31,785,214.

**Loan Sampling**

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

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

**Data Integrity**

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

---

| | |
|:---|:---|
| **Field Label** | **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 |

---

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

![](ex99-2_001.jpg)

---

| | |
|:---|:---|
| &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 |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

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

![](ex99-2_001.jpg)

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

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

![](ex99-2_001.jpg)

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

· Borrower identity:

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

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

· Employment:

· Licensing – reviewed NMLS data for:

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

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

· Occupancy:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

· OFAC:

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

![](ex99-2_001.jpg)

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation (when applicable)**

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

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

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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;

(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);

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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

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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;

**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.

**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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

· 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.

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· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules
§ 109 4-3-01 et seq.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**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.

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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.

**Valuation Review**

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

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

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

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**Independent Third-Party Values**

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

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

---

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

---

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

---

---

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

---

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**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 21.28% (10 loans) have an overall grade of "A" and 78.72% (37 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 59.57% (28 loans), and 40.43% nineteen (19) mortgage loans reviewed have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 31.91% or fifteen (15) mortgage loans reviewed, and 68.09% (32 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 97.87% or forty-six (46) mortgage loans reviewed, and 2.13% (1 loans) have a Property/Valuation grade of "B".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10 | &nbsp;&nbsp;21.28% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;37 | &nbsp;&nbsp;78.72% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**47** | &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;28 | &nbsp;&nbsp;59.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;19 | &nbsp;&nbsp;40.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**47** | &nbsp;&nbsp;**100.00%** |

---

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

![](ex99-2_001.jpg)

---

| | | |
|:---|:---|:---|
| &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;15 | &nbsp;&nbsp;31.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;32 | &nbsp;&nbsp;68.09% |
| &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;**47** | &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;46 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**47** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;38 | &nbsp;&nbsp;80.85% | &nbsp;&nbsp;$26225128.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;9 | &nbsp;&nbsp;19.15% | &nbsp;&nbsp;$5560086.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**47** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31785214.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;47 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$31785214.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**47** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31785214.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% | &nbsp;&nbsp;$228750.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/<br> Unknown Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.38% | &nbsp;&nbsp;$628751.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;24 | &nbsp;&nbsp;51.06% | &nbsp;&nbsp;$16970588.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;17 | &nbsp;&nbsp;36.17% | &nbsp;&nbsp;$12495875.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.26% | &nbsp;&nbsp;$1461250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**47** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31785214.00** |

---

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

![](ex99-2_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &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;46 | &nbsp;&nbsp;97.87% | &nbsp;&nbsp;$30528714.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.13% | &nbsp;&nbsp;$1256500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**47** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31785214.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;34 | &nbsp;&nbsp;72.34% | &nbsp;&nbsp;$26214613.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;13 | &nbsp;&nbsp;27.66% | &nbsp;&nbsp;$5570601.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**47** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$31785214.00** |

---

**DATA COMPARISON RESULTS**

Of the forty-seven (47) mortgage Loan Files reviewed, eight (8) unique loans (17.02% by number) had twelve (12) tape comparison discrepancies across eight (8) 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;Calculated DSCR | &nbsp;&nbsp;.25 tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;47 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;.25 tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;47 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;47 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;47 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;47 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;47 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;47 | &nbsp;&nbsp;2.13% |
| &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;2 | &nbsp;&nbsp;47 | &nbsp;&nbsp;4.26% |

---

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

![](ex99-2_001.jpg)

**Disclaimer**

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

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

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

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

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

 

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

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 689228 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | Yes | Retired |  | No |  | Yes | Present |
| 586340 |  |  | 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 |
| 616649 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 497951 |  |  | 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 |
| 553776 |  |  | 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 |
| 199440 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 617055 |  |  | 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 |
| 920295 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| 926704 |  |  | 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 |
| 352833 |  |  | 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 |
| 246626 |  |  | 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 |
| 215767 |  |  | 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 |
| 334853 |  |  | 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 |
| 949777 |  |  | 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 | Yes | Employed |  | No |  | Yes | Present |
| 969937 |  |  | 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 |
| 249445 |  |  | 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 | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 949032 |  |  | 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 | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 950566 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 764835 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 137341 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 895019 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 784428 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 890292 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 182333 |  |  | 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 | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 206127 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 206772 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 913066 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 759776 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 429339 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 361291 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 638293 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 402732 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 642894 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 351161 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 963539 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 614456 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 122128 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 179699 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 972288 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 757350 |  |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 575020 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 140500 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 641165 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 457066 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 401123 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 631154 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 370936 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 199440 |  |  | Calculated DSCR | 0.993 | 1.02 |
| 689228 |  |  | Prepayment Penalty Total Term | 60 | 0 |
| 586340 |  |  | Prepayment Penalty Total Term | 36 | 0 |
| 334853 |  |  | Property Attachment Type | Detached | Attached |
| 617055 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 969937 |  |  | Property Type | Two to Four Unit | Detached |
| 199440 |  |  | Property Value | xxx | xxx |
| 553776 |  |  | Property Zip Code | xxx | xxx |
| 199440 |  |  | Property Zip Code | xxx | xxx |
| 586340 |  |  | Qualifying FICO | xxx | xxx |
| 689228 |  |  | Qualifying Total Debt Income Ratio | 46.57 | 49.87 |
| 616649 |  |  | Qualifying Total Debt Income Ratio | 37.18 | 39.637 |

---

## Exhibit 99.2

**Exhibit 99.2 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** |
| 689228 |  | B A | Closed | FCRE7000 | 2024-12-04 14:45 | 2024-12-06 10:50 | Waived | 2 - Non-Material B | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Waived-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. Exception for minimal reserves. - Due Diligence Vendor-12/04/2024 |  | Waived-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. Exception for minimal reserves. - Due Diligence Vendor-12/04/2024 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.1 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<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 | Housing history 0x30x12<br> FICO score 117 points above minimum |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 689228 |  | B A | Closed | FCRE2502 | 2024-12-04 12:51 | 2024-12-06 10:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Transaction is not arm's length | Waived-Non-Arm's Length Transaction for investment property - Due Diligence Vendor-12/04/2024 |  | Waived-Non-Arm's Length Transaction for investment property - Due Diligence Vendor-12/04/2024<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.1 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<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 | Housing history 0x30x12<br> FICO score is 117 points more than program minimum. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 689228 |  | B A | Closed | FCRE1198 | 2024-12-04 15:01 | 2024-12-04 15:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of are less than Guideline Required Reserves of 6 Exception for not meeting 6 months reserves requirement. Verified reserves are zero (0) months - Due Diligence Vendor-12/21/2024 |  | Waived-Audited Reserves of are less than Guideline Required Reserves of 6 Exception for not meeting 6 months reserves requirement. Verified reserves are zero (0) months - Due Diligence Vendor-12/21/2024<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.1 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<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 | - Housing history 0x30x12 <br> - FICO score is 117 points more than the minimum required for the program |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxx |
| 689228 |  | B A | Closed | FCRE8705 | 2024-12-04 15:15 | 2024-12-04 15:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contributions Do Not Meet Guidelines | Waived-Exception approval to use seller credit for recurring costs/prepaid items. - Due Diligence Vendor-12/04/2024 |  | Waived-Exception approval to use seller credit for recurring costs/prepaid items. - Due Diligence Vendor-12/04/2024<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.1 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<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 | - Housing history 0x30x12 <br> - FICO score is 117 points more than the minimum required for the program |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxx |
| 689228 |  | B A | Closed | FCRE1247 | 2024-12-04 15:14 | 2024-12-04 15:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Borrower is getting a gift of equity and borrower does not meet the requirement of 5% contribution of down <br> payment and closing costs from own funds. - Due Diligence Vendor-12/04/2024 |  | Waived-Borrower is getting a gift of equity and borrower does not meet the requirement of 5% contribution of down <br> payment and closing costs from own funds. - Due Diligence Vendor-12/04/2024<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.1 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<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 | - Housing history 0x30x12 <br> - FICO score is 117 points more than the minimum required for the program |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxx |
| 689228 |  | B A | Closed | FCRE8201 | 2024-12-04 15:12 | 2024-12-04 15:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- Exception to allow use of rental income mentioned on lease agreement ($xxx) vs market rent ($xxx). - Due Diligence Vendor-12/04/2024 |  | Waived- Exception to allow use of rental income mentioned on lease agreement ($xxx) vs market rent ($xxx). - Due Diligence Vendor-12/04/2024 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.1 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<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 | Housing history 0x30x12 <br> FICO score is 117 points more than the minimum required for the program |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxx |
| 586340 |  | C B A | Closed | FCRE1440 | 2025-01-09 14:57 | 2025-01-09 15:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception provided to allow mortgage rating 2x30x12. Guideline requires 0x30x12. - Due Diligence Vendor-01/09/2025 <br>Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-01/09/2025 |  | Waived-Exception provided to allow mortgage rating 2x30x12. Guideline requires 0x30x12. - Due Diligence Vendor-01/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Consumer credit paid as agreement in most recent 12 months; Property has no physical deficiencies or adverse conditions; Marketing time under 3 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 586340 |  | C B A | Closed | FVAL3867 | 2025-01-06 11:10 | 2025-01-09 10:05 | Waived | 2 - Non-Material C B | Property | Property Issue | Property is Mixed Use | Waived-Lender provided exception for assisted living care facility. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. - Seller-01/08/2025 <br> Open-Lender exception needed for mixed usage of property. Investment DSCR as SFR, however lease describes property as residential care home facility for elderly. Appraisal notes zoning is for residential care facility. Current lender exception sheet doesn't mention property usage. - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Waived-Lender provided exception for assisted living care facility. - Due Diligence Vendor-01/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxx |
| 586340 |  | C B A | Closed | FCRE1004 | 2025-01-06 11:56 | 2025-01-06 11:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Lender exception for not meeting 48 month seasoning requirement for loan modification. - Due Diligence Vendor-01/06/2025 |  | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Lender exception for not meeting 48 month seasoning requirement for loan modification. - Due Diligence Vendor-01/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | All consumer credit paid as agreed prior 12 months<br> Property has no physical deficiencies or adverse conditions. <br> Marketing time under 3 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 586340 |  | C B A | Closed | FCRE5116 | 2025-01-06 11:55 | 2025-01-06 11:55 | Waived | 2 - Non-Material B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Lender exception to not obtain VOM on subject property. Statement of account for 12 months payment used instead. - Due Diligence Vendor-01/06/2025 |  | Waived-Lender exception to not obtain VOM on subject property. Statement of account for 12 months payment used instead. - Due Diligence Vendor-01/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | All consumer credit paid as agreed in past 12 months<br> Property has no physical deficiencies or adverse conditions. <br> Marketing time under 3 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 586340 |  | C B A | Closed | FCRE8138 | 2025-01-06 11:52 | 2025-01-06 11:52 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Lender exception to use actual rental income of $xxx instead of appraisal $xxx monthly. Guideline allows up to 120% of market rent value. - Due Diligence Vendor-01/06/2025 |  | Waived-Lender exception to use actual rental income of $xxx instead of appraisal $xxx monthly. Guideline allows up to 120% of market rent value. - Due Diligence Vendor-01/06/2025 | 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 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 616649 |  | B A | Closed | FCRE7375 | 2025-08-19 18:02 | 2025-08-19 18:02 | Waived | 2 - Non-Material B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Client waived with compensating factors. Borrower is XXXX, which is not eligible on P&L-only Doc Type. - Due Diligence Vendor-08/28/2025 |  | Waived-Client waived with compensating factors. Borrower is NPRA/DACA, which is not eligible on P&L-only Doc Type. - Due Diligence Vendor-08/28/2025 | 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 0.06<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.18% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Credit Score xxx higher than 660 minimum<br> DTI < 43% max |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 616649 |  | B A | Closed | FCRE1194 | 2025-08-19 18:00 | 2025-08-19 18:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Client waived with compensating factors. Lender exception for max LTV of 65% for PTIN only prepared P&L. - Due Diligence Vendor-08/28/2025 |  | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Client waived with compensating factors. Lender exception for max LTV of 65% for PTIN only prepared P&L. - Due Diligence Vendor-08/28/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.18% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Credit Score xxx higher than minimum of 660<br> DTI < 43% max |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 497951 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  | xxx |
| 553776 |  | C B A | Closed | FCRE1500 | 2025-10-07 14:32 | 2025-10-08 13:30 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-I-797C Noticed of Action from the xxx provided. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-Borrower's Drivers License provided. Borrower is a Non-Permanent Resident Alien. Provide additional Identification doc (Passport, Visa) - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-I-797C Noticed of Action from the department of Homeland Security provided. - Due Diligence Vendor-10/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.62 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 553776 |  | C B A | Closed | FCRE8705 | 2025-10-02 04:45 | 2025-10-02 04:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contributions Do Not Meet Guidelines | Waived- Exception required for seller credit of $xxx. As per guidelines we can only use it for non-recurring closing cost. Current closing cost is $xxx - Due Diligence Vendor-10/02/2025 |  | Waived- Exception required for seller credit of $xxx. As per guidelines we can only use it for non-recurring closing cost. Current closing cost is $xxx - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.62 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months | 1. Post Closing reserves of 13.61 months after closing both files. <br> 2. FICO of xxx is 39 points higher than minimum required. <br> 3. DSCR of 0.85 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 553776 |  | C B A | Closed | FPRO1251 | 2025-10-02 04:44 | 2025-10-02 04:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived-Exception required for XXXX AC. As per guidelines the maximum allowed is 2 AC. - Due Diligence Vendor-10/02/2025 |  | Waived-Exception required for XXXX AC. As per guidelines the maximum allowed is 2 AC. - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.62 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months | 1. Post Closing reserves of 13.61 months after closing both files. <br> 2. FICO of xxx is 39 points higher than minimum required. <br> 3. DSCR of 0.85 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 553776 |  | C B A | Closed | FCRE1195 | 2025-10-02 04:43 | 2025-10-02 04:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Exception to allow LTV of 75% with FICO of xxx. As per guidelines, the minimum FICO should be 700. - Due Diligence Vendor-10/02/2025 |  | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Exception to allow LTV of 75% with FICO of xxx. As per guidelines, the minimum FICO should be 700. - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.62 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months | 1. Post Closing reserves of 13.61 months after closing both files. <br> 2. FICO of xxx is 39 points higher than minimum required. <br> 3. DSCR of 0.85 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 553776 |  | C B A | Closed | FCRE1194 | 2025-10-02 04:43 | 2025-10-02 04:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception to allow LTV of 75% with FICO of xxx. As per guidelines, the minimum FICO should be 700. - Due Diligence Vendor-10/02/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception to allow LTV of 75% with FICO of xxx. As per guidelines, the minimum FICO should be 700. - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.62 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months | 1. Post Closing reserves of 13.61 months after closing both files. <br> 2. FICO of xxx is 39 points higher than minimum required. <br> 3. DSCR of 0.85 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 553776 |  | C B A | Closed | FCRE1196 | 2025-10-02 04:43 | 2025-10-02 04:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of 75% exceeds Guideline HCLTV of 70% Exception to allow LTV of 75% with FICO of xxx. As per guidelines, the minimum FICO should be 700. - Due Diligence Vendor-10/02/2025 |  | Waived-Audited HCLTV of 75% exceeds Guideline HCLTV of 70% Exception to allow LTV of 75% with FICO of xxx. As per guidelines, the minimum FICO should be 700. - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.62 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months | 1. Post Closing reserves of 13.61 months after closing both files. <br> 2. FICO of xxx is 39 points higher than minimum required. <br> 3. DSCR of 0.85 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 199440 |  | B A | Closed | FCRE8705 | 2025-10-02 06:09 | 2025-10-02 06:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contributions Do Not Meet Guidelines | Waived-Exception required for seller credit of $xxx. As per guidelines we can only used it for non?recurring closing cost. Current closing cost is $xxx - Due Diligence Vendor-10/02/2025 |  | Waived-Exception required for seller credit of $xxx. As per guidelines we can only used it for non?recurring closing cost. Current closing cost is $xxx - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. Post Closing reserves of 13.61 months after closing both files. <br> 2. FICO of xxx is 39 points higher than minimum required. <br> 3. DSCR of 1.04 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 199440 |  | B A | Closed | FCRE1195 | 2025-10-02 06:04 | 2025-10-02 06:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Exception to allow LTV of 75% with FICO of xxx. As per guidelines, the minimum FICO should be 700 - Due Diligence Vendor-10/02/2025 |  | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Exception to allow LTV of 75% with FICO of xxx. As per guidelines, the minimum FICO should be 700 - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. Post Closing reserves of 13.61 months after closing both files. <br> 2. FICO of xxx is 39 points higher than minimum required. <br> 3. DSCR of 1.04 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 199440 |  | B A | Closed | FCRE1194 | 2025-10-02 06:04 | 2025-10-02 06:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception to allow LTV of 75% with FICO of xxx. As per guidelines, the minimum FICO should be 700 - Due Diligence Vendor-10/02/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception to allow LTV of 75% with FICO of xxx. As per guidelines, the minimum FICO should be 700 - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. Post Closing reserves of 13.61 months after closing both files. <br> 2. FICO of xxx is 39 points higher than minimum required. <br> 3. DSCR of 1.04 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 199440 |  | B A | Closed | FCRE1196 | 2025-10-02 06:04 | 2025-10-02 06:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of 75% exceeds Guideline HCLTV of 70% Exception to allow LTV of 75% with FICO of xxx. As per guidelines, the minimum FICO should be 700 - Due Diligence Vendor-10/02/2025 |  | Waived-Audited HCLTV of 75% exceeds Guideline HCLTV of 70% Exception to allow LTV of 75% with FICO of xxx. As per guidelines, the minimum FICO should be 700 - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. Post Closing reserves of 13.61 months after closing both files. <br> 2. FICO of xxx is 39 points higher than minimum required. <br> 3. DSCR of 1.04 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 617055 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  | xxx |
| 920295 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  | xxx |
| 926704 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  | xxx |
| 352833 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  | xxx |
| 246626 |  | D A | Closed | FCRE1158 | 2025-11-04 10:33 | 2025-11-05 13:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Counter-No document attached, Please re-upload. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Premium is on page 3 - Seller-11/04/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard Insurance policy located on pg 562 does not list premium. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Ready for Review-Document Uploaded. Premium is on page 3 - Seller-11/04/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 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 - 7.17 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 215767 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  | xxx |
| 334853 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  | xxx |
| 949777 |  | C A | Closed | FCRE1195 | 2025-12-10 23:14 | 2025-12-17 13:55 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 85% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-12/17/2025 <br> Ready for Review-The property is not a non-warrantable condo and the LTV restriction does not apply to this loan. Please rescind this finding. - Buyer-12/16/2025 <br> Open-Audited CLTV of 85% exceeds Guideline CLTV of 80% Missing Lender's Exception for Property Type – Non-Warrantable Condo LTV Max 80% per GL - Due Diligence Vendor-12/11/2025 |  | Resolved-Audited CLTV of 85% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-12/17/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.61 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 969937 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  | xxx |
| 249445 |  | D B C A | Closed | FPRO9939 | 2026-02-02 23:34 | 2026-02-25 13:00 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-BPO received and value supports the Original Appraised value. - Due Diligence Vendor-02/25/2026 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.1) Missing satisfactory 3rd party valuation since CU score over 2.5 and LCA was ineligible. - Due Diligence Vendor-02/03/2026 |  | Resolved-BPO received and value supports the Original Appraised value. - Due Diligence Vendor-02/25/2026<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 - 7.82 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 85% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 249445 |  | D B C A | Closed | FPRO4876 | 2026-01-28 15:22 | 2026-02-24 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-BPO Allowed - States no damage noted at time of inspection - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. BPO provided supporting appraised value and BPO provided showing no damage post FEMA event - Due Diligence Vendor-02/23/2026 <br>Open-PDI Needed - Due Diligence Vendor-01/28/2026 |  | Resolved-BPO Allowed - States no damage noted at time of inspection - Due Diligence Vendor-02/24/2026<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 - 7.82 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 85% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 249445 |  | D B C A | Closed | finding-3625 | 2026-02-11 07:05 | 2026-02-11 07:07 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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 - 7.82 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 85% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 249445 |  | D B C A | Closed | FCRE1193 | 2026-02-06 05:29 | 2026-02-06 05:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 43.23% exceeds Guideline DTI of 43% 1008 mentions lender approval(page 1010) of DTI being slightly over guidelines - Due Diligence Vendor-02/06/2026 |  | Waived-Audited DTI of 43.23% exceeds Guideline DTI of 43% 1008 mentions lender approval(page 1010) of DTI being slightly over guidelines - Due Diligence Vendor-02/06/2026<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 - 7.82 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 85% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 949032 |  | C B A | Closed | FPRO9939 | 2026-02-02 04:47 | 2026-02-24 11:13 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-BPO provided - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. BPO provided supporting appraised value - Due Diligence Vendor-02/23/2026 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.1) - Due Diligence Vendor-02/02/2026 |  | Resolved-BPO provided - Due Diligence Vendor-02/24/2026<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 0.15 |  | 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 |
| 949032 |  | C B A | Closed | FCRE1167 | 2026-02-06 14:37 | 2026-02-20 07:45 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. HOI uploaded - Due Diligence Vendor-02/19/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx see pg 332. coverage is only at xxx w additional 10% = xxx<br> Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-02/06/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/20/2026<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 0.15 |  | 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 |
| 949032 |  | C B A | Closed | finding-3625 | 2026-02-11 07:05 | 2026-02-11 07:07 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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 0.15 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 950566 |  | C B A | Closed | finding-3634 | 2026-02-02 13:40 | 2026-02-21 12:43 | Waived | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived-Outside XXXX - Due Diligence Vendor-02/21/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open-The following charges have been increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. 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-02/04/2026 <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 $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/02/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 950566 |  | C B A | Closed | finding-3631 | 2026-02-02 13:40 | 2026-02-21 12:43 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open-The following charges have been increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. 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-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-02/02/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 950566 |  | C B A | Closed | finding-3632 | 2026-02-02 13:40 | 2026-02-21 12:43 | Waived | 2 - Non-Material C B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open-The following charges have been increased: Appraisal Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. 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-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-02/02/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 950566 |  | C B A | Closed | finding-3625 | 2026-02-11 06:56 | 2026-02-11 06:56 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 764835 |  | C B A | Closed | finding-3652 | 2026-02-04 17:27 | 2026-02-21 10:21 | Waived | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <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 ($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.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). \*\* Initial Closing Disclosure Provided includes a specific Lender Credit in the amount of $xxx. Incomplete Final Closing Disclosure Provided does not include the specific lender credit. 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-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 764835 |  | C B A | Closed | FCOM2340 | 2026-02-04 17:58 | 2026-02-21 10:21 | Waived | 2 - Non-Material C B | Compliance | TILA | CD: General Form Requirements Not Met | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open-CD: General Form Requirements Not Met Page 5 of the Final Closing Disclosure reflects blank Loan Calculations. TPR has confirmed that the blank APR, Total of Payments, and Finance Charge on the xxx Closing Disclosure do not correspond to an actual change in loan terms from those disclosed on the initial Closing Disclosure. Accordingly, the figures did not "become inaccurate," and the appropriate comparison Closing Disclosure remains the xxx version. ~~~~ However, at consummation, the final xxx Closing Disclosure was required to reflect the actual consummated loan calculations. If the omission of the Loan Calculations on the final Closing Disclosure resulted from a clerical error, such omission may be defensible under TILA Section 130(c) as an unintentional, bona fide error. In that case, an explanation or attestation from the lender is required to support this position. - Due Diligence Vendor-02/04/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 764835 |  | C B A | Closed | FCOM1266 | 2026-01-30 05:05 | 2026-02-19 09:50 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Seller provided disclosure - Due Diligence Vendor-02/19/2026 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-02/04/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/19/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 764835 |  | C B A | Closed | finding-3625 | 2026-02-11 07:28 | 2026-02-11 07:31 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 764835 |  | C B A | Closed | FCRE1197 | 2026-01-30 03:45 | 2026-02-04 13:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of xxx is less than Guideline FICO of 700 Calculated FICO of xxx is less than Guideline FICO of 700<br>exception approved pg 207, 213, 762. - Due Diligence Vendor-01/30/2026 |  | Waived-Audited FICO of xxx is less than Guideline FICO of 700 Calculated FICO of xxx is less than Guideline FICO of 700<br>exception approved pg 207, 213, 762. - Due Diligence Vendor-01/30/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Borrower put 5% down <br> Borrower has solid Credit and Physician Loan Program with increased future earnings.<br> Low debt rations. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 137341 |  | D B A | Closed | FPRO4876 | 2026-01-28 15:22 | 2026-02-25 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-BPO allowed with Images - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. BPO provided supporting appraised value - Due Diligence Vendor-02/24/2026 <br> Open-PDI Needed Loan was closed pre xxx - Due Diligence Vendor-01/28/2026 |  | Resolved-BPO allowed with Images - Due Diligence Vendor-02/25/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.59% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 137341 |  | D B A | Closed | finding-3625 | 2026-02-11 07:28 | 2026-02-11 07:30 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.59% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 895019 |  | D B A C | Closed | FPRO1242 | 2026-01-30 06:34 | 2026-02-22 10:16 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-02/22/2026 <br>Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-02/19/2026 <br>Open-Appraisal is Missing - Due Diligence Vendor-01/30/2026 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-02/22/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.64% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | 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 |
| 895019 |  | D B A C | Closed | finding-3634 | 2026-01-30 12:04 | 2026-02-21 12:48 | Waived | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <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 $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/30/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.64% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 895019 |  | D B A C | Closed | finding-3631 | 2026-01-30 12:04 | 2026-02-21 12:48 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/30/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.64% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 895019 |  | D B A C | Closed | finding-3632 | 2026-01-30 12:04 | 2026-02-21 12:48 | Waived | 2 - Non-Material C B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/30/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.64% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 895019 |  | D B A C | Closed | finding-3625 | 2026-02-11 07:28 | 2026-02-11 07:30 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.64% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 784428 |  | C B A | Closed | FPRO9939 | 2026-01-30 08:41 | 2026-02-20 08:28 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved- - Due Diligence Vendor-02/20/2026 <br>Resolved-BPO Provided - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. BPO provided, please advise if this can be downgraded. - Due Diligence Vendor-02/19/2026 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) - Due Diligence Vendor-02/03/2026 |  | Resolved-BPO Provided - Due Diligence Vendor-02/20/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.46 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 784428 |  | C B A | Closed | FCRE1480 | 2026-01-30 08:34 | 2026-02-20 08:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. See doc explaining retirement/XXXX account not needed for CTC - Due Diligence Vendor-02/19/2026 <br> Open-Asset 2 Does Not Meet Guideline Requirements Asset 2 - XXXX #xxx $xxx statement is missing<br> - Due Diligence Vendor-01/30/2026 |  | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-02/20/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.46 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 784428 |  | C B A | Closed | FCRE1483 | 2026-01-30 08:34 | 2026-02-20 08:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/19/2026 <br> Open-Asset 5 Does Not Meet Guideline Requirements Asset 5 - XXXX #xxx $xxx statement is missing<br> - Due Diligence Vendor-01/30/2026 |  | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-02/20/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.46 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 784428 |  | C B A | Closed | finding-3625 | 2026-02-11 07:04 | 2026-02-11 07:06 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.46 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 890292 |  | D B A | Closed | FCRE5116 | 2026-02-03 11:36 | 2026-02-25 13:54 | Waived | 2 - Non-Material D B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Exception granted with supporting comp factors: Verification of Rent (VOR) - Due Diligence Vendor-02/25/2026 <br> Ready for Review-The request for an exception toXXXX's eligibility criteria is granted. - Due Diligence Vendor-02/24/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for xxx for rental amount of $xxx/mo - Due Diligence Vendor-02/03/2026 |  | Waived-Exception granted with supporting comp factors: Verification of Rent (VOR) - Due Diligence Vendor-02/25/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 | Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines <br> Compensating Factor 2 - 0x30 for 24 months on subject mortgage |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 890292 |  | D B A | Closed | finding-3625 | 2026-02-11 07:46 | 2026-02-23 07:58 | Waived | 2 - Non-Material A B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/23/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 182333 |  | C B A | Closed | FCRE1193 | 2026-02-10 06:09 | 2026-02-25 13:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception granted with supporting comp factors: Audited DTI of 45.63% exceeds Guideline DTI of 43% - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-The request for an exception toXXXX's eligibility criteria is granted. - Due Diligence Vendor-02/24/2026 <br> Open-Audited DTI of 45.63% exceeds Guideline DTI of 43% Missing lender exception for DTI. 50% DTI didn't become policy until xxx. This loan had already closed. - Due Diligence Vendor-02/10/2026 |  | Waived-Exception granted with supporting comp factors: Audited DTI of 45.63% exceeds Guideline DTI of 43% - Due Diligence Vendor-02/25/2026<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 0.04<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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.31 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Compensating Factor 1 - Credit Score 30+ points > minimum required <br> Compensating Factor 2 - Reserves exceed requirement by 10 months or more | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 182333 |  | C B A | Closed | finding-3625 | 2026-02-17 09:20 | 2026-02-21 12:52 | Waived | 2 - Non-Material C B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-02/17/2026 <br> Open- - Due Diligence Vendor-02/17/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | 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 0.04<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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.31 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 206127 |  | D B A | Closed | FPRO4876 | 2026-01-28 15:22 | 2026-02-25 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-BPO Allowed with Images - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. BPO provided showing no damage post FEMA event - Due Diligence Vendor-02/24/2026 <br> Counter-a Post Disaster Inspection report is needed as the BPO provided does not state no disaster from the xxx - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. No damage per provided BPO, please clear - Due Diligence Vendor-02/19/2026 <br> Open-PDI Needed - Due Diligence Vendor-01/28/2026 |  | Resolved-BPO Allowed with Images - Due Diligence Vendor-02/25/2026<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.21 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 206127 |  | D B A | Closed | finding-3625 | 2026-02-11 07:54 | 2026-02-23 07:59 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/23/2026 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.21 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 104.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 206772 |  | D B A | Closed | FPRO1242 | 2026-02-02 23:38 | 2026-02-20 16:01 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/19/2026 <br>Open-Appraisal is Missing - Due Diligence Vendor-02/03/2026 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-02/20/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.7 Are Greater Than The Guideline Minimum Of 4 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 206772 |  | D B A | Closed | finding-3625 | 2026-02-11 07:04 | 2026-02-11 07:06 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.7 Are Greater Than The Guideline Minimum Of 4 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 913066 |  | D B A | Closed | FCRE6019 | 2026-01-30 08:21 | 2026-02-25 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. CIP checklist - Due Diligence Vendor-02/25/2026 <br>Open-Borrower 1 Citizenship Documentation Is Missing Missing ID or Patriot Act information. - Due Diligence Vendor-01/30/2026 |  | Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026<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<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 0.18 |  | 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 |
| 913066 |  | D B A | Closed | FCRE2000 | 2026-02-03 08:14 | 2026-02-24 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. PC uploaded entire purchase agreement was in XDOC; uploaded a copy - Due Diligence Vendor-02/23/2026 <br>Open-Purchase Contract is Partial copy. Missing full purchase contract, only 1 page found. - Due Diligence Vendor-02/03/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/24/2026<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<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 0.18 |  | 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 |
| 913066 |  | D B A | Closed | finding-3625 | 2026-02-11 07:47 | 2026-02-11 07:48 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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<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 0.18 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 759776 |  | D B C A | Closed | FCRE5790 | 2026-02-02 23:15 | 2026-02-26 21:51 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Client exception granted with compensating factors to waive gap report. - Due Diligence Vendor-02/27/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). XXX requires a "soft-pull" credit report within 10 business days prior to loan closing. Please review requirements under XXX Correspondent Underwriting Guidelines/Re-verification of Credit Prior to Closing (Gap Report) for all details. - Due Diligence Vendor-02/03/2026 |  | Waived-Client exception granted with compensating factors to waive gap report. - Due Diligence Vendor-02/27/2026<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 759776 |  | D B C A | Closed | FPRO4876 | 2026-01-28 15:22 | 2026-02-24 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-BPO allowed in place of PDI with Images - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. XXXX - BPO provided showing no damage post FEMA event - Due Diligence Vendor-02/23/2026 <br>Open-PDI Needed - Due Diligence Vendor-01/28/2026 |  | Resolved-BPO allowed in place of PDI with Images - Due Diligence Vendor-02/24/2026<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 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 |
| 759776 |  | D B C A | Closed | FPRO9939 | 2026-02-02 23:32 | 2026-02-24 12:05 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-BPO Provided - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Desk review (No Lender comment provided) - Due Diligence Vendor-02/23/2026 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) Missing appraisal review product - Due Diligence Vendor-02/03/2026 |  | Resolved-BPO Provided - Due Diligence Vendor-02/24/2026<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 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 |
| 759776 |  | D B C A | Closed | FCRE1167 | 2026-02-02 22:05 | 2026-02-24 12:04 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. HOI (No comment provided only attachment) - Due Diligence Vendor-02/23/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-02/03/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/24/2026<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 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 |
| 759776 |  | D B C A | Closed | finding-3625 | 2026-02-11 07:04 | 2026-02-11 07:06 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 429339 |  | C B A | Closed | FCRE1198 | 2026-02-02 22:47 | 2026-02-20 10:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with supporting comp factors: Audited Reserves of 6.29 are less than Guideline Required Reserves of 10 - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/19/2026 <br> Open-Audited Reserves of 6.29 are less than Guideline Required Reserves of 10 10 months required reserves. Verified assets that are listed on 1008 however borrower is short reserves - Due Diligence Vendor-02/03/2026 |  | Waived-Exception granted with supporting comp factors: Audited Reserves of 6.29 are less than Guideline Required Reserves of 10 - Due Diligence Vendor-02/20/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent <br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 429339 |  | C B A | Closed | FCRE1500 | 2026-02-04 08:39 | 2026-02-20 08:32 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-Valid PRA card provided - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/19/2026 <br>Open-Missing permanent resident card - Due Diligence Vendor-02/04/2026 |  | Resolved-Valid xxx card provided - Due Diligence Vendor-02/20/2026 | 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |  | 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 |
| 429339 |  | C B A | Closed | finding-3625 | 2026-02-11 07:47 | 2026-02-11 07:48 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 361291 |  | B A | Closed | finding-3625 | 2026-02-11 07:04 | 2026-02-11 07:07 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 638293 |  | D B A | Closed | FPRO4876 | 2026-01-28 15:22 | 2026-02-26 21:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-Document Uploaded. BPO and arial photo provided showing no damage - Due Diligence Vendor-02/27/2026 <br> Ready for Review- BPO provided showing no damage post FEMA event - Due Diligence Vendor-02/25/2026 <br> Counter-the BPO provided states " After exhausting all efforts, I was unable to get through the gate " - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. BPO provided showing no damage post FEMA event - Due Diligence Vendor-02/24/2026 <br> Counter-a Post Disaster Inspection report is needed as the BPO provided does not state no disaster from the xxx - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. No damage per provided BPO, please clear - Due Diligence Vendor-02/19/2026 <br> Open-PDI Needed - Due Diligence Vendor-01/28/2026 |  | Resolved-Document Uploaded. BPO and arial photo provided showing no damage - Due Diligence Vendor-02/27/2026<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<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.03 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 638293 |  | D B A | Closed | finding-3625 | 2026-02-11 07:47 | 2026-02-11 07:48 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.03 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 402732 |  | D B A | Closed | FPRO4876 | 2026-01-28 15:22 | 2026-02-25 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-BPO allowed with Images - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. BPO provided showing no damage post FEMA event - Due Diligence Vendor-02/24/2026 <br> Counter-a Post Disaster Inspection report is needed as the BPO provided does not state no disaster from the xxx - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Per XXXX - No damage per provided BPO, please clear - Due Diligence Vendor-02/19/2026 <br> Open-PDI Needed - Due Diligence Vendor-01/28/2026 |  | Resolved-BPO allowed with Images - Due Diligence Vendor-02/25/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.07% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 78.94% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 402732 |  | D B A | Closed | FCRE0360 | 2026-02-03 12:31 | 2026-02-20 10:48 | Waived | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted with supporting comp factors: Only have 8 mos of VOR via bank statements in file. Need full 12 mos VOR in file - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/19/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Only have 8 mos of VOR via bank statements in file. Need full 12 mos VOR in file - Due Diligence Vendor-02/03/2026 |  | Waived-Exception granted with supporting comp factors: Only have 8 mos of VOR via bank statements in file. Need full 12 mos VOR in file - Due Diligence Vendor-02/20/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.07% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 78.94% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) <br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) <br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 402732 |  | D B A | Closed | FCRE5782 | 2026-02-02 10:20 | 2026-02-20 10:48 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Exception granted with supporting comp factors: Gap Credit Report is Missing - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/19/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/02/2026 |  | Waived-Exception granted with supporting comp factors: Gap Credit Report is Missing - Due Diligence Vendor-02/20/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.07% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 78.94% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) <br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) <br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 402732 |  | D B A | Closed | FCRE5783 | 2026-02-02 10:20 | 2026-02-20 10:48 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived-Exception granted with supporting comp factors: Gap Credit Report is Missing - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/19/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-02/02/2026 |  | Waived-Exception granted with supporting comp factors: Gap Credit Report is Missing - Due Diligence Vendor-02/20/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.07% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 78.94% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) <br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) <br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 402732 |  | D B A | Closed | finding-3625 | 2026-02-11 07:04 | 2026-02-11 07:07 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.07% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 78.94% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 642894 |  | C B A | Closed | FCRE1197 | 2026-01-30 16:05 | 2026-03-10 14:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Document Uploaded. - Due Diligence Vendor-03/10/2026 <br> Waived-Audited FICO of xxx is less than Guideline FICO of 700 1008 says lender exception for credit score < 700. - Due Diligence Vendor-01/30/2026 |  | Waived-Document Uploaded. - Due Diligence Vendor-03/10/2026 <br> Waived-Audited FICO of xxx is less than Guideline FICO of 700 1008 says lender exception for credit score < 700. - Due Diligence Vendor-01/30/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 642894 |  | C B A | Closed | FCRE1500 | 2026-02-03 13:52 | 2026-02-20 08:39 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-1-797A Notice of Action H1B Valid from xxx to xxx Provided - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/19/2026 <br> Open-Missing permanent resident card - Due Diligence Vendor-02/03/2026 |  | Resolved-1-797A Notice of Action H1B Valid from xxx Provided - Due Diligence Vendor-02/20/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | 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 |
| 642894 |  | C B A | Closed | finding-3625 | 2026-02-11 07:47 | 2026-02-11 07:48 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 351161 |  | D B C A | Closed | finding-3625 | 2026-02-11 07:47 | 2026-03-27 20:13 | Acknowledged | 2 - Non-Material C B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Acknowledged-SOL Expired xxx - Due Diligence Vendor-03/28/2026 <br> Acknowledged-EV3 until xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/19/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. EV3 till xxx SOL date - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Acknowledged-SOL Expired xxx - Due Diligence Vendor-03/28/2026 <br> Acknowledged-EV3 until xxx SOL date - Due Diligence Vendor-02/21/2026 | 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 351161 |  | D B C A | Closed | FCRE5790 | 2026-01-30 16:22 | 2026-02-20 10:50 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Exception granted with supporting comp factors: Gap Credit Report is Expired - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/19/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-01/30/2026 |  | Waived-Exception granted with supporting comp factors: Gap Credit Report is Expired - Due Diligence Vendor-02/20/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20)<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 351161 |  | D B C A | Closed | FCRE1198 | 2026-01-30 16:40 | 2026-02-20 10:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with supporting comp factors: Audited Reserves of 1.83 are less than Guideline Required Reserves of 2 - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/19/2026 <br> Open-Audited Reserves of 1.83 are less than Guideline Required Reserves of XXXX statement missing showing verified assets of $xxx. Borrower is short reserves - Due Diligence Vendor-01/30/2026 |  | Waived-Exception granted with supporting comp factors: Audited Reserves of 1.83 are less than Guideline Required Reserves of 2 - Due Diligence Vendor-02/20/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20)<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 351161 |  | D B C A | Closed | FCRE1469 | 2026-01-30 16:33 | 2026-02-20 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-02/19/2026 <br> Open-Asset 3 Missing xxx March Bank statement missing - Due Diligence Vendor-01/30/2026 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-02/20/2026<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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 963539 |  | B A | Closed | finding-3625 | 2026-02-11 06:38 | 2026-02-11 06:39 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.49% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 614456 |  | D B A C | Closed | FPRO4876 | 2026-02-25 14:36 | 2026-02-25 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-BPO allowed with Images - Due Diligence Vendor-02/25/2026 <br>Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-02/25/2026 |  | Resolved-BPO allowed with Images - Due Diligence Vendor-02/25/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  |  | 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 |
| 614456 |  | D B A C | Closed | FPRO9939 | 2026-02-02 18:28 | 2026-02-25 14:36 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-BPO Provided - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. re-attached and re-pushed BPO - Due Diligence Vendor-02/25/2026 <br>Counter-No Attachment provided - Please re-upload. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-BPO provided supporting appraised value (Nothing Attached) - Due Diligence Vendor-02/23/2026 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.5) - Due Diligence Vendor-02/02/2026 |  | Resolved-BPO Provided - Due Diligence Vendor-02/25/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | 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 |
| 614456 |  | D B A C | Closed | FCRE5116 | 2026-02-05 12:17 | 2026-02-25 13:50 | Waived | 2 - Non-Material D B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Exception granted with supporting comp factors: Verification of Rent (VOR) - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-The request for an exception toXXXX's eligibility criteria is granted. - Due Diligence Vendor-02/24/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. xxx $xxx/mo- no VOR in file<br> - Due Diligence Vendor-02/05/2026 |  | Waived-Exception granted with supporting comp factors: Verification of Rent (VOR) - Due Diligence Vendor-02/25/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 | Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines <br> Compensating Factor 2 - Credit Score 20 points > minimum required <br> Compensating Factor 3 - Reserves exceed requirement by 10 months or more | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 614456 |  | D B A C | Closed | finding-3625 | 2026-02-11 07:20 | 2026-02-23 08:00 | Waived | 2 - Non-Material A B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/23/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 122128 |  | B A | Closed | finding-3625 | 2026-02-11 06:38 | 2026-02-11 06:40 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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 0.02<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 179699 |  | A B | Closed | finding-3625 | 2026-02-11 07:23 | 2026-02-21 11:10 | Waived | 2 - Non-Material A B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 972288 |  | B A | Closed | finding-3625 | 2026-02-11 06:38 | 2026-02-11 06:40 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 757350 |  | C B A | Closed | FCRE1197 | 2026-02-03 15:44 | 2026-02-25 13:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with supporting comp factors: Audited FICO of xxx is less than Guideline FICO of 720 - Due Diligence Vendor-02/25/2026 <br> Ready for Review-The request for an exception toXXXX's eligibility criteria is granted. - Due Diligence Vendor-02/24/2026 <br> Open-Audited FICO of xxx is less than Guideline FICO of 720. Purchase loan amount of xxx and LTV of 95% require a 720 score. - Due Diligence Vendor-02/03/2026 |  | Waived-Exception granted with supporting comp factors: Audited FICO of xxx is less than Guideline FICO of 720 - Due Diligence Vendor-02/25/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years | Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines <br> Compensating Factor 2 - Employed in same profession > 10 years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 757350 |  | C B A | Closed | FPRO9939 | 2026-02-03 15:44 | 2026-02-24 12:24 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-BPO provided - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-BPO provided supporting appraised value - Due Diligence Vendor-02/23/2026 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 5) - Due Diligence Vendor-02/03/2026 |  | Resolved-BPO provided - Due Diligence Vendor-02/24/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  | xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 757350 |  | C B A | Closed | finding-3625 | 2026-02-11 07:31 | 2026-02-23 08:05 | Waived | 2 - Non-Material A B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/23/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 575020 |  | B A | Closed | finding-3625 | 2026-02-11 06:39 | 2026-02-11 06:40 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 140500 |  | D B A | Closed | FCRE2109 | 2026-02-03 04:53 | 2026-02-25 14:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-02/25/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/03/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/25/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 0.06 |  | 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 |
| 140500 |  | D B A | Closed | FPRO4876 | 2026-01-28 15:22 | 2026-02-25 14:33 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Waived-Exception granted with supporting comp factors: the BPO provided states No photos of the subject due to gate access - Due Diligence Vendor-02/25/2026 <br>Ready for Review-XXX - we are OK waiving this exception as EV3. - Due Diligence Vendor-02/25/2026 <br>Counter-the BPO provided states No photos of the subject due to gate access. PDI is needed with Images to verify the property is free and clear of any damage - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. BPO provided showing no damage post FEMA event - Due Diligence Vendor-02/23/2026 <br>Open-PDI Needed - Due Diligence Vendor-01/28/2026 |  | Waived-Exception granted with supporting comp factors: the BPO provided states No photos of the subject due to gate access - Due Diligence Vendor-02/25/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 0.06 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 140500 |  | D B A | Closed | finding-3625 | 2026-02-11 06:39 | 2026-02-11 06:40 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 0.06 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 641165 |  | D B A | Closed | finding-3625 | 2026-02-11 07:38 | 2026-02-21 11:18 | Waived | 2 - Non-Material A B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 - 26250 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 641165 |  | D B A | Closed | FCRE6019 | 2026-02-03 02:13 | 2026-02-20 08:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-1-797A for Both Borrower's provided - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/19/2026 <br>Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 & Borrower 2's non - permanent resident documentation Is Missing in file - Due Diligence Vendor-02/03/2026 |  | Resolved-1-797A for Both Borrower's provided - Due Diligence Vendor-02/20/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 - 26250 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | 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 |
| 457066 |  | B A | Closed | finding-3625 | 2026-02-11 07:05 | 2026-02-11 07:06 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<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<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.73 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 401123 |  | D B A C | Closed | FCRE1500 | 2026-02-06 10:17 | 2026-02-26 21:46 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower Identification Documentation Missing | Waived-Client waived with compensating factors to allow blacked out passport. ID certification provided in addition to drivers license. - Due Diligence Vendor-02/27/2026 <br>Open-Non Permanent Resident identification documentation is blacked out. Provide clear non perm documentation. - Due Diligence Vendor-02/06/2026 |  | Waived-Client waived with compensating factors to allow blacked out passport. ID certification provided in addition to drivers license. - Due Diligence Vendor-02/27/2026<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 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 401123 |  | D B A C | Closed | FPRO9939 | 2026-02-02 17:44 | 2026-02-24 13:37 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-BPO Provided - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. BPO provided supporting appraised value - Due Diligence Vendor-02/23/2026 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.7) Missing satisfactory 3rd party valuation product. - Due Diligence Vendor-02/02/2026 |  | Resolved-BPO Provided - Due Diligence Vendor-02/24/2026<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 |
| 401123 |  | D B A C | Closed | FPRO4876 | 2026-01-28 15:22 | 2026-02-24 13:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-BPO Allowed with Images - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. BPO provided showing no damage post FEMA event - Due Diligence Vendor-02/23/2026 <br>Open-PDI Needed - Due Diligence Vendor-01/28/2026 |  | Resolved-BPO Allowed with Images - Due Diligence Vendor-02/24/2026<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 |
| 401123 |  | D B A C | Closed | finding-3625 | 2026-02-11 07:41 | 2026-02-23 08:06 | Waived | 2 - Non-Material A B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/23/2026 | 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 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 631154 |  | D B A C | Closed | FPRO4876 | 2026-01-28 15:22 | 2026-02-25 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-BPO allowed with Images - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. BPO provided supporting appraised value - Due Diligence Vendor-02/24/2026 <br>Open-PDI Needed - Due Diligence Vendor-01/28/2026 |  | Resolved-BPO allowed with Images - Due Diligence Vendor-02/25/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 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 |
| 631154 |  | D B A C | Closed | finding-3939 | 2026-02-03 10:46 | 2026-02-21 13:05 | Waived | 2 - Non-Material C B | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx and xxx. Documentation provided does not contain the_Locked Loan estimation and Intial closing disclosure Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/03/2026 <br> Open- - Due Diligence Vendor-02/03/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 631154 |  | D B A C | Closed | FCOM1252 | 2026-02-03 13:30 | 2026-02-21 13:05 | Waived | 2 - Non-Material C B | Compliance | TRID | TRID: Missing Loan Estimate | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open-Missing Revised Locked Loan estimation and Initial Closing disclosure. - Due Diligence Vendor-02/03/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 631154 |  | D B A C | Closed | FCOM4227 | 2026-02-03 13:30 | 2026-02-21 13:05 | Waived | 2 - Non-Material C B | Compliance | TRID | TRID: Missing Closing Disclosure | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open- - Due Diligence Vendor-02/03/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Documentation provided does not contain the_Locked Loan estimation and Intial closing disclosure Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 631154 |  | D B A C | Closed | finding-3625 | 2026-02-11 07:11 | 2026-02-21 13:05 | Waived | 2 - Non-Material A B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Waived-Outside xxx SOL date - Due Diligence Vendor-02/21/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |
| 370936 |  | C B A | Closed | FCRE1197 | 2026-02-03 00:22 | 2026-02-24 11:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with supporting comp factors: Audited FICO of xxx is less than Guideline FICO of 700 - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. An exception was made and UW provided mitigating factors in the LOS, see screenshot to the right of this comment. - Due Diligence Vendor-02/23/2026 <br> Open-Audited FICO of xxx is less than Guideline FICO of 700 Missing exception for FICO. Per guidelines min FICO is 700 and the borrowers FICO is xxx. - Due Diligence Vendor-02/03/2026 |  | Waived-Exception granted with supporting comp factors: Audited FICO of xxx is less than Guideline FICO of 700 - Due Diligence Vendor-02/24/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.71% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | Calculated DTI Is Less Than The Guideline Maximum By Five Percent<br> Months Reserves Are Greater Than The Guideline Minimum By Six | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx |
| 370936 |  | C B A | Closed | finding-3625 | 2026-02-11 06:38 | 2026-02-11 06:39 | Waived | 2 - Non-Material B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026 <br>Open- - Due Diligence Vendor-02/11/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Waived EV2 - outside SOL - Due Diligence Vendor-02/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.74 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.71% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxx |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 689228 |  |  | xxx B A |
| 586340 |  |  | xxx C A B |
| 616649 |  |  | xxx B A |
| 497951 |  |  | xxx A |
| 553776 |  |  | xxx C A B |
| 199440 |  |  | xxx B A |
| 617055 |  |  | xxx A |
| 920295 |  |  | xxx A |
| 926704 |  |  | xxx A |
| 352833 |  |  | xxx A |
| 246626 |  |  | xxx D A |
| 215767 |  |  | xxx A |
| 334853 |  |  | xxx A |
| 949777 |  |  | xxx C A |
| 969937 |  |  | xxx A |
| 249445 |  |  | xxx D B C A |
| 949032 |  |  | xxx C B A |
| 950566 |  |  | xxx A C B |
| 764835 |  |  | xxx B C A |
| 137341 |  |  | xxx D B A |
| 895019 |  |  | xxx A C D B |
| 784428 |  |  | xxx C B A |
| 890292 |  |  | xxx D A B |
| 182333 |  |  | xxx C A B |
| 206127 |  |  | xxx D B A |
| 206772 |  |  | xxx A B D |
| 913066 |  |  | xxx D B A |
| 759776 |  |  | xxx D B C A |
| 429339 |  |  | xxx C B A |
| 361291 |  |  | xxx A B |
| 638293 |  |  | xxx D B A |
| 402732 |  |  | xxx D B A |
| 642894 |  |  | xxx C B A |
| 351161 |  |  | xxx D C A B |
| 963539 |  |  | xxx A B |
| 614456 |  |  | xxx D A C B |
| 122128 |  |  | xxx A B |
| 179699 |  |  | xxx A B |
| 972288 |  |  | xxx A B |
| 757350 |  |  | xxx C A B |
| 575020 |  |  | xxx A B |
| 140500 |  |  | xxx D B A |
| 641165 |  |  | xxx D A B |
| 457066 |  |  | xxx A B |
| 401123 |  |  | xxx D A C B |
| 631154 |  |  | xxx D C A B |
| 370936 |  |  | xxx C B A |

---

## Exhibit 99.2

**Exhibit 99.2 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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 689228 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 586340 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 69.85 | 69.85 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 616649 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 497951 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 553776 |  |  | 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 | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 199440 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 617055 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 920295 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 89.99 | 89.99 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 926704 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 70.0 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 352833 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 80.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 246626 |  |  | xxx | xxx | xxx | xxx | 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 | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 215767 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 334853 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 75.0 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.6 | xxx |
| 949777 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 969937 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 74.07 | 74.07 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 249445 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 85.0 | 85.0 | xxx | xxx | .0294 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0294 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 949032 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | xxx | -.0280 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0280 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 950566 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 764835 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 95.0 | 95.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible |  |  |
| 137341 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 95.0 | 95.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 895019 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 784428 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | xxx | .0497 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0497 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 890292 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.3 | xxx |
| 182333 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 206127 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | xxx | .1214 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .1214 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 206772 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 93.75 | 93.75 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 913066 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.9 | xxx |
| 759776 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | xxx | .0298 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0298 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 429339 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 89.99 | 89.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 361291 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 638293 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 96.52 | 96.52 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.6 | xxx |
| 402732 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 89.99 | 89.99 | xxx | xxx | .0400 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0400 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1.9 |  |
| 642894 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 94.99 | 94.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 351161 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 2 | xxx |
| 963539 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 614456 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | xxx | -.0769 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0769 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122128 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 179699 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 95.0 | 95.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.8 | xxx |
| 972288 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 83.33 | 83.33 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.7 | xxx |
| 757350 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 95.0 | 95.0 | xxx | xxx | -.0100 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0100 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 575020 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 140500 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.3 | xxx |
| 641165 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 457066 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 401123 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | xxx | .0271 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0271 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 631154 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 370936 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 100.0 | 100.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 6**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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** | **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 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 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 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** |
| 689228 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.375% |  | xxx | Yes | 12.000% | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.57% | 46.57% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 586340 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.999% |  | 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 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 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 | Yes | 1.12 | 1.11 | N/A | Borrower - N/A | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 3.67 | xxx | 3.67 | No | 69.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 616649 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.18% | 37.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.23 | xxx | 7.23 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 497951 |  |  | 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 | 1.934 | 1.934 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 101.03 | xxx | 101.03 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 553776 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.250% |  | 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 | 0.856 | 0.85 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 36.62 | xxx | 36.62 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 199440 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.875% |  | 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 | 0.993 | 1.02 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 24.64 | xxx | 24.64 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 617055 |  |  | 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 | 1.19 | 1.19 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 41.58 | No | 75 | N/A | xxx | xxx | xxx | xxx | 2 |
| 920295 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.46% | 45.46% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | USA | xxx |  |  | I-551 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | USA | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.15 | xxx | 9.15 | No | 89.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 926704 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.250% |  | 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 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.815 | 0.815 |  | 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 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 37.60 | xxx | 37.6 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 352833 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | Yes | 18.000% | 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 | 1.007 | 1.007 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.07 | xxx | 9.07 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 246626 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | No | 1 |  | 1 |  | 1 |  | Unknown | Unknown | Unknown |  | .00 |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.066 | 1.065 |  | 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 \|\| Co Borrower 2 - 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 \|\| 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 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | 6.85 | xxx | 6.85 | No | 80 | N/A | xxx | xxx | xxx | xxx | 2 |
| 215767 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.125% |  | 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% |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.091 | 1.12 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 102.99 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 334853 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.500% |  | 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 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.047 | 1.047 |  | 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 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 94.02 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 949777 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.250% |  | xxx | Yes | 8.250% | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 7.44% | 7.44% | Yes |  |  |  |  |  |  |  | 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 | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 18.54 | xxx | 18.54 | No | 85 | Yes | xxx | xxx | xxx | xxx | 1 |
| 969937 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | 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 | 1.057 | 1.057 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 58.21 | No | 74.07 | N/A | xxx | xxx | xxx | xxx | 2 |
| 249445 |  |  | 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 |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.23% | 43.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 14 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2022","2021"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2021"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | US Patriot | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 79.64 | xxx | 79.64 | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 949032 |  |  | 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 |  |  | $0.00 |  |  | 0.00% | 45.27% | 43.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 31 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2020","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2020","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 3.99 | xxx | 3.99 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 950566 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.61% | 45.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 8 | 6 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | Customer Identification | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 20.09 | xxx | 20.09 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 764835 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.59% | 32.59% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2023","2022"] \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2023","2022"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2024","2023","2022"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2024","2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Customer Identification Program | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Customer Identification Program | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.57 | xxx | 6.57 | No | 95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 137341 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.59% | 33.05% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 32 | 27 | Work Number | Yes | 6 | 6 | Work Number | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2021","2022"] \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2021","2022"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2021","2022"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2021","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Customer Identification Program Checklist — Application and Closing / Settlement | xxx | United States | xxx |  |  | N/A |  |  | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other |  | xxx | United States | xxx |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 12.97 | xxx | 12.97 | No | 95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 895019 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.64% | 32.64% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 31 | Work Number | Yes | 4 | 4 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - ["2024","2023","2022"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023","2022"] | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023","2022"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Missing |  |  | United States |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Resident Alien |  | Missing |  |  |  |  |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.84 | xxx | 6.84 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 784428 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.87% | 25.87% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 25 | Work Number | Yes | 87 | 25 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2022"] \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2022"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2022"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | CUSTOMER IDENTIFICATION PROGRAM CHECK LIST | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | CUSTOMER IDENTIFICATION PROGRAM CHECK LIST | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .09 | xxx | 0.09 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 890292 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.33% | 30.33% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 2 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 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 |  | N/A | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2022","2021"] \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2022","2021"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2022","2021"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2022","2021"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.33 | xxx | 1.33 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 182333 |  |  | 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 |  | 7.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.63% | 45.63% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 27 | 11 | Work Number | Yes | 10 | 9 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2021","2022","2023"] \|\| Co Borrower - Wage, Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2023"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2021","2022","2023"] \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Customer Identification | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Customer Identification | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 22.31 | xxx | 22.31 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 206127 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.42% | 36.42% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Customer Identification | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 104.45 | xxx | 104.45 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 206772 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.51% | 38.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | 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 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2022"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.70 | xxx | 10.7 | No | 93.75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 913066 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.23% | 45.23% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 6 | 6 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen |  | Other | Customer Identification Program Checklist | xxx | United States | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.81 | xxx | 6.81 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 759776 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 8.30% | 7.43% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 46 | 28 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024","2023","2022"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | CUSTOMER IDENTIFICATION PROGRAM CHECKLIST - APPLICATION AND CLOSING/ SETTLEMENT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 70.09 | xxx | 70.09 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 429339 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.70% | 29.70% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 4 | 4 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2022","2023"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2022","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.29 | xxx | 6.29 | No | 89.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 361291 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.22% | 21.22% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2022","2023","2024"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2022","2023","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2022","2023","2024"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2022","2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Customer Identification | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Customer Identification | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 5.35 | xxx | 8.51 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 638293 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.23% | 45.23% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 36 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2022"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | Customer Identification Program | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 13.03 | xxx | 13.03 | No | 96.52 | N/A | xxx | xxx | xxx | xxx | 1 |
| 402732 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.07% | 33.07% | No | No |  |  |  |  |  |  | Employed | Unknown |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2021","2022","2023"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2021","2022","2023"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 |  | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 13.53 | xxx | 13.53 | No | 89.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 642894 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.05% | 33.19% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023","2022"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | No | Real ID Driver's License |  | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 20.51 | xxx | 20.51 | No | 94.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 351161 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.54% | 37.54% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.83 | xxx | 1.83 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 963539 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.49% | 34.52% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 1 | Work Number | Yes | 19 | 19 | Work Number | No | 0 |  |  | Borrower - Wage - Written VOE Verified, Award Letter Verified - ["2024"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2024","2023"] | Borrower - ["2024"] \|\| Co Borrower - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 56.68 | xxx | 56.68 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 614456 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 14.25% | 14.25% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 11 | 20 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Missing W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2022","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2022","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 32.18 | xxx | 32.18 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 122128 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.76% | 33.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 8 | 8 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2022","2023"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Customer Identification Program Checklist | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 7.16 | xxx | 7.16 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 179699 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.66% | 36.66% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2022","2024","2025"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2024","2025"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | CUSTOMER IDENTIFICATION | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | CUSTOMER IDENTIFICATION | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 2.83 | xxx | 2.83 | No | 95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 972288 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.17% | 26.17% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 13 | 3 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023","2022"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Customer Identification Program Checklist | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.85 | xxx | 9.85 | No | 83.33 | N/A | xxx | xxx | xxx | xxx | 1 |
| 757350 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.93% | 38.93% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 22 | 22 | Work Number | Yes | 38 | 27 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Customer Identification Program Checklist | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Customer Identification Program Checklist | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.36 | xxx | 6.36 | No | 95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 575020 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.33% | 47.33% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 2 | 2 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | 296 | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.13 | xxx | 6.13 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 140500 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.57% | 33.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024","2023","2022"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Customer Identification | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.55 | xxx | 6.55 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 641165 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.13% | 39.28% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 56 | 27 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023","2022"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023","2022"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien |  | Other | Customer Identification Program | xxx | USA | xxx |  |  | Work Visa |  | xxx | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Other | Customer Identification Program | xxx | USA | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 10.75 | xxx | 10.75 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 457066 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.97% | 38.97% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 2 | 1 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Proceeds from Sale | Borrower Prepared | 8 | Tax Preparer | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 145 | 145 | Work Number | No | 0 |  | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2022"] \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023","2022"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2022"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | CUSTOMER IDENTIFICATION PROGRAM CHECK LIST | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | CUSTOMER IDENTIFICATION PROGRAM CHECK LIST | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 28.39 | xxx | 28.39 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 401123 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.50% | 42.26% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 1 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2022","2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | CUSTOMER INDENTIFICATION | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 8.03 | xxx | 8.03 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 631154 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.19% | 38.19% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 12 | 12 | Work Number | Yes | 20 | 20 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023","2022"] \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023","2022"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023","2022"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.82 | xxx | 1.82 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |
| 370936 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 23.71% | 21.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 5 | 4 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Customer Identification | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 23.74 | xxx | 23.74 | No | 100 | N/A | xxx | xxx | xxx | xxx | 1 |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2026-NQM2**

**By Clarifii LLC on April 10, 2026**

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

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 136 loans (the "Loans") and these loans were subsequently acquired by PRP-Annex VI AIV, LLC (the "Client") for the PRPM 2026-NQM2 transaction. The loans referenced in this narrative report were reviewed 04/2025 through 03/2026 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<br> Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;10 | &nbsp;&nbsp;7.35% | &nbsp;&nbsp;$6009200.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.20% | &nbsp;&nbsp;$1232000.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;$228000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;122 | &nbsp;&nbsp;89.71% | &nbsp;&nbsp;$73675305.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**136** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$81144505.00** |

---

The Review consisted of a population of 136 loans, with an aggregate principal balance of $81,144,505.00.

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

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

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

**LOAN SAMPLING**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024 |

---

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

**DATA INTEGRITY**

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

---

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

---

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

![](ex99-3_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &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 Change Minimum Amount |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Index Lookback Period |
| &nbsp;&nbsp;Index Rounding Factor |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Months Since Bankruptcy |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |

---

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---

| |
|:---|
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying 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;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

– Assets and Reserves

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– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

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

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

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

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

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

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

– Tax returns

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– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

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

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

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

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**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).

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

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

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

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

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

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

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**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

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

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

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

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

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

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

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

– 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.

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**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** <br> Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

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**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA or<br> Acceptable UCDP Risk <br> Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;64 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

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

![](ex99-3_001.jpg)

**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. |

---

**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. |

---

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

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Overall** | **Loan Count** | **% of Sample** |
| A | 109 | 80.15% |
| B | 27 | 19.85% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **136** | **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**

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 117 | 86.03% |
| B | 19 | 13.97% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **136** | **100.00%** |

---

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

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **Loan Count** | **% of Sample** |
| A | 136 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **136** | **100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **Loan Count** | **% of Sample** |
| A | 128 | 94.12% |
| B | 8 | 5.88% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **136** | **100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;$1137500.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;135 | &nbsp;&nbsp;99.26% | &nbsp;&nbsp;$80007005.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**136** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$81144505.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;63 | &nbsp;&nbsp;46.32% | &nbsp;&nbsp;$41494142.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.47% | &nbsp;&nbsp;$2477750.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;71 | &nbsp;&nbsp;52.21% | &nbsp;&nbsp;$37172613.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**136** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$81144505.00** |

---

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

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;66 | &nbsp;&nbsp;48.53% | &nbsp;&nbsp;$41220713.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;70 | &nbsp;&nbsp;51.47% | &nbsp;&nbsp;$39923792.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**136** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$81144505.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;136 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$81144505.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**136** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$81144505.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.68% | &nbsp;&nbsp;$3376938.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;131 | &nbsp;&nbsp;96.32% | &nbsp;&nbsp;$77767567.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**136** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$81144505.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Subsequent Payment Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;103 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;99 | &nbsp;&nbsp;94.95% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

PRPM 2026-NQM2 Due Diligence Narrative Report – PagE \| 19

![](ex99-3_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;135 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;101 | &nbsp;&nbsp;99.01% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;135 | &nbsp;&nbsp;97.78% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;3 | &nbsp;&nbsp;61 | &nbsp;&nbsp;95.08% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;9 | &nbsp;&nbsp;68 | &nbsp;&nbsp;86.76% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;23 | &nbsp;&nbsp;130 | &nbsp;&nbsp;82.31% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;5 | &nbsp;&nbsp;11 | &nbsp;&nbsp;54.55% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Change Minimum Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;133 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;131 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;135 | &nbsp;&nbsp;100.00% |

---

PRPM 2026-NQM2 Due Diligence Narrative Report – PagE \| 20

![](ex99-3_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;136 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;119 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;136 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;1 | &nbsp;&nbsp;116 | &nbsp;&nbsp;99.14% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;134 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;133 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;118 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Months Since Bankruptcy | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;118 | &nbsp;&nbsp;89.83% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;133 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;134 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;98 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;11 | &nbsp;&nbsp;98 | &nbsp;&nbsp;88.78% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;53 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;132 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;135 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;135 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;119 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;135 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;132 | &nbsp;&nbsp;93.94% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;135 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;130 | &nbsp;&nbsp;99.23% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;132 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;13 | &nbsp;&nbsp;91 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;4 | &nbsp;&nbsp;14 | &nbsp;&nbsp;71.43% |

---

PRPM 2026-NQM2 Due Diligence Narrative Report – PagE \| 21

![](ex99-3_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;57 | &nbsp;&nbsp;115 | &nbsp;&nbsp;50.43% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;96 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;103 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;23 | &nbsp;&nbsp;67 | &nbsp;&nbsp;65.67% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;3 | &nbsp;&nbsp;60 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

 

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

 

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

 

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

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2026 Clarifii LLC. All rights reserved.

PRPM 2026-NQM2 Due Diligence Narrative Report – PagE \| 22

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 593155 | XXXX | XXXX | 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 |
| 664695 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1475 | 7.508 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 78924.77 | N/A | Retired |  | No |  | No |  |
| 666922 | XXXX | XXXX | 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 |
| 672026 | XXXX | XXXX | 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 |
| 675334 | XXXX | XXXX | 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 | No | Yes | Present |
| 683418 | XXXX | XXXX | 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 |
| 692926 | XXXX | XXXX | 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 |
| 697746 | XXXX | XXXX | 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 |
| 699059 | XXXX | XXXX | 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 |
| 700717 | XXXX | XXXX | 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 |
| 711857 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 711870 | XXXX | XXXX | 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 | 13978 | 7.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6187.24 | Yes | Employed |  | No |  | No |  |
| 715221 | XXXX | XXXX | 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 |
| 720941 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 28270 | 8.231 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30143.97 | Yes | Employed |  | No |  | No |  |
| 728824 | XXXX | XXXX | 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 |
| 728825 | XXXX | XXXX | 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 |
| 747840 | XXXX | XXXX | 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 | Yes | N/A | N/A | N/A | N/A | 55869.51 | Yes | Employed |  | No |  | Yes | Present |
| 756747 | XXXX | XXXX | 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 | 17760 | 7.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56190.66 | Yes | Employed |  | No |  | No |  |
| 759140 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7482 | 7.825 | Yes | No | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6517.95 | N/A | Employed | Employed | No | No | No |  |
| 763935 | XXXX | XXXX | 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 | 72574.77 | Yes | Employed |  | No |  | Yes | Present |
| 763936 | XXXX | XXXX | 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 |
| 776450 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7786.25 | 9.047 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 6519.29 | Yes | Employed |  | No |  | No |  |
| 778794 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 15195 | 9.059 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14560.7 | Yes | Employed |  | No |  | No |  |
| 778796 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 11995 | 8.259 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26727.26 | Yes | Employed |  | No |  | No |  |
| 780100 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15950 | 7.995 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7131.79 | N/A | Employed |  | No |  | No |  |
| 780409 | XXXX | XXXX | 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 | 12801.88 | 7.627 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6311.47 | N/A | Employed |  | No |  | No |  |
| 781928 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 14475 | 9.834 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22002.2 | N/A | Employed |  | No |  | No |  |
| 788360 | XXXX | XXXX | 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 | 29370 | 7.672 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17666.65 | Yes | Employed | Employed | No | No | No |  |
| 793825 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5817.57 | Yes | Employed | Employed | No | No | Yes | Present |
| 793834 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19920 | 7.427 | Yes | Yes | N/A | No | Yes | Yes | N/A | Yes | Yes | N/A | 30247.01 | Yes | Employed |  | No |  | No |  |
| 806599 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 46062.5 | 8.08 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 41969.13 | Yes | Employed |  | No |  | No |  |
| 809337 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 9755 | 8.584 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19410.65 | Yes | Employed |  | No |  | No |  |
| 832847 | XXXX | XXXX | 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 |
| 837495 | XXXX | XXXX | 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 |
| 849212 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6992.69 | 7.529 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11461.36 | N/A | Not Employed |  | No |  | No |  |
| 851077 | XXXX | XXXX | 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 |
| 852940 | XXXX | XXXX | 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 |
| 856288 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 10659.38 | 8.405 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4100.68 | N/A | Employed |  | No |  | No |  |
| 856289 | XXXX | XXXX | 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 |
| 857724 | XXXX | XXXX | 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 | 9744 | 7.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8366.81 | Yes | Not Employed |  | No |  | No |  |
| 859802 | XXXX | XXXX | 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 |
| 863917 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11914.54 | 7.484 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4969.86 | Yes | Employed |  | No |  | No |  |
| 865469 | XXXX | XXXX | 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 | No | Yes | Present |
| 865471 | XXXX | XXXX | 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 |
| 865765 | XXXX | XXXX | 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 |
| 867460 | XXXX | XXXX | 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 |
| 867474 | XXXX | XXXX | 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 |
| 870595 | XXXX | XXXX | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 5537.21 | 8.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10928.29 | Yes | Employed |  | No |  | No |  |
| 872221 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 30712.13 | 8.041 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17280.49 | N/A | Employed |  | No |  | No |  |
| 872228 | XXXX | XXXX | 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 | No | Yes | Present |
| 874190 | XXXX | XXXX | 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 | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 874192 | XXXX | XXXX | 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 |
| 874194 | XXXX | XXXX | 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 | No | Yes | Present |
| 874195 | XXXX | XXXX | 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 | 11379.31 | N/A | Employed |  | No |  | Yes | Present |
| 874197 | XXXX | XXXX | 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 |
| 874198 | XXXX | XXXX | 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 | No | Yes | Present |
| 874995 | XXXX | XXXX | 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 |
| 876590 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 5146.36 | Yes | Employed |  | No |  | Yes | Present |
| 876591 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14799.1 | 7.413 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42525.11 | N/A | Employed |  | No |  | No |  |
| 876592 | XXXX | XXXX | 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 |
| 876593 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 18000.92 | 7.374 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8767.33 | Yes | Employed | Employed | No | No | No |  |
| 876596 | XXXX | XXXX | 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 |
| 879385 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 17070 | 7.08 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8378.04 | Yes | Employed |  | No |  | No |  |
| 882694 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 18558.75 | 7.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14574.03 | Yes | Employed |  | No |  | No |  |
| 882695 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 15535 | 8.147 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8657.38 | N/A | Employed |  | No |  | No |  |
| 882696 | XXXX | XXXX | 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 |
| 882698 | XXXX | XXXX | 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 |
| 882701 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 10675 | 7.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4668.09 | N/A | Employed |  | No |  | No |  |
| 884648 | XXXX | XXXX | 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 |
| 884649 | XXXX | XXXX | 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 |
| 884654 | XXXX | XXXX | 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 |
| 884656 | XXXX | XXXX | 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 | 16547.5 | 7.878 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 291380.33 | N/A | Employed |  | No |  | No |  |
| 884658 | XXXX | XXXX | 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 |
| 886510 | XXXX | XXXX | 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 | 3902.85 | 8.379 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6500.37 | N/A | Employed |  | No |  | No |  |
| 886512 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7045 | 7.721 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9444.7 | Yes | Employed | Employed | No | No | No |  |
| 886516 | XXXX | XXXX | 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 |
| 888035 | XXXX | XXXX | 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 | No | Yes | Present |
| 889316 | XXXX | XXXX | 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 | No | Yes | Present |
| 889317 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 17867.5 | 7.86 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7648.75 | Yes | Employed |  | No |  | No |  |
| 889322 | XXXX | XXXX | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 10757.5 | 8.116 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9300.32 | Yes | Employed |  | No |  | No |  |
| 891271 | XXXX | XXXX | 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 |
| 891281 | XXXX | XXXX | 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 |
| 893053 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 20255.36 | 7.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45810.24 | Yes | Employed |  | No |  | No |  |
| 893054 | XXXX | XXXX | 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 |
| 893057 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 23497 | 8.162 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16907.79 | N/A | Employed |  | No |  | No |  |
| 896108 | XXXX | XXXX | 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 |
| 896110 | XXXX | XXXX | 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 |
| 896111 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 26217.93 | 8.216 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14586.48 | Yes | Employed | Employed | No | No | No |  |
| 896113 | XXXX | XXXX | 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 |
| 896114 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 14957.5 | 8.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47594.71 | N/A | Employed |  | No |  | No |  |
| 896117 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11213.5 | 7.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20930.41 | N/A | Employed | Employed | No | No | No |  |
| 896119 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18722.94 | N/A | Employed | Employed | No | No | Yes | Present |
| 898350 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 11650 | 7.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7445.11 | Yes | Employed | Employed | No | No | No |  |
| 898354 | XXXX | XXXX | 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 |
| 898357 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 12141.99 | 8.854 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6676.45 | N/A | Employed |  | No |  | No |  |
| 898359 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5120.18 | N/A | Employed |  | No |  | Yes | Present |
| 898361 | XXXX | XXXX | 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 | 11595 | 8.188 | Yes | Yes | N/A | Yes | Yes | No | N/A | Yes | Yes | Yes | 12667.86 | N/A | Employed |  | No |  | No |  |
| 900224 | XXXX | XXXX | 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 | 10754.38 | 7.451 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21443.24 | Yes | Employed |  | No |  | No |  |
| 900225 | XXXX | XXXX | 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 |  |  |  |  | Yes |  | Yes | Present |
| 900231 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 9695 | 7.489 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3311.08 | Yes | Employed |  | No |  | No |  |
| 900232 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 11184.5 | 7.72 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8090.5 | Yes | Employed |  | No |  | No |  |
| 903335 | XXXX | XXXX | 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 |
| 903342 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 7290 | 8.748 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15751.34 | N/A | Employed |  | No |  | No |  |
| 905897 | XXXX | XXXX | 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 |
| 905899 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No | 21501.25 | 7.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8547.09 | Yes | Employed | Employed | No | No | No |  |
| 911761 | XXXX | XXXX | 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 |  |  |  |  | Yes | Yes | Yes | Present |
| 911763 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No | 2095 | 7.309 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5136.63 | N/A | Employed |  | No |  | No |  |
| 911764 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 8788.75 | 7.785 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12464 | N/A | Employed |  | No |  | No |  |
| 911767 | XXXX | XXXX | 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 | 62048.69 | N/A | Employed |  | No |  | Yes | Present |
| 911771 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13695 | 7.445 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9721.18 | N/A | Employed | Not Employed | No | No | No |  |
| 911776 | XXXX | XXXX | 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 | 7095 | 7.478 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9618.99 | Yes | Employed |  | No |  | No |  |
| 914651 | XXXX | XXXX | 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 | 4644 | 8.205 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13584.88 | N/A | Employed | Employed | No | No | No |  |
| 914652 | XXXX | XXXX | 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 | 25364.92 | 7.136 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11458.49 | Yes | Employed |  | No |  | No |  |
| 914654 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 21521.67 | 9.475 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10824.67 | Yes | Employed |  | No |  | No |  |
| 914657 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 11876.28 | 8.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4905.71 | N/A | Employed | Employed | No | No | No |  |
| 917288 | XXXX | XXXX | 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 |
| 919205 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 9126.25 | 7.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12683.9 | N/A | Employed |  | No |  | No |  |
| 920874 | XXXX | XXXX | 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 |
| 924281 | XXXX | XXXX | 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 |
| 926496 | XXXX | XXXX | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 5639.34 | 7.927 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6482.2 | Yes | Employed | Not Employed | No | No | No |  |
| 929103 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9291.03 | Yes | Employed |  | No |  | Yes | Present |
| 932648 | XXXX | XXXX | 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 | 10443.94 | Yes | Employed |  | No |  | Yes | Present |
| 940508 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6608.57 | 7.223 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8920.09 | N/A | Employed |  | No |  | No |  |
| 940509 | XXXX | XXXX | 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 | Yes | N/A | N/A | N/A | N/A | 114000.43 | Yes | Employed |  | No |  | Yes | Present |
| 945454 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 14154.58 | 8.827 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5162.85 | N/A | Employed |  | No |  | No |  |
| 945458 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 10685.15 | 8.105 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3582.93 | N/A | Employed |  | No |  | No |  |
| 955442 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21637.75 | 7.508 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37871.73 | Yes | Employed |  | No |  | No |  |
| 955446 | XXXX | XXXX | 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 | 11095 | 7.683 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4843.4 | Yes | Employed |  | No |  | No |  |
| 955447 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 22058.08 | N/A | Employed |  | No |  | Yes | Present |
| 959697 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 11095 | 6.998 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10732.39 | Yes | Employed |  | No |  | No |  |
| 961953 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 13851.25 | 8.479 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9246.72 | N/A | Employed | Employed | No | No | No |  |
| 963103 | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19945 | 7.371 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54023.57 | Yes | Employed |  | No |  | No |  |
| 973451 | XXXX | XXXX | 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 | 4138.5 | 7.333 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2874.17 | N/A | Employed | Not Employed | No | No | No |  |
| 985849 | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 25363.32 | 8.01 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12554.12 | N/A | Employed |  | No |  | No |  |
| 990543 | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 26798.29 | Yes | Employed |  | No |  | Yes | Present |
| 1010278 | XXXX | XXXX | 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 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 593155 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.771 | 0.811 | Market Rent/PITIA, Lender DSCR Worksheet not provided |
| 664695 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| 666922 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| 666922 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.54 | 0.74 | Market rent/PITIA, calculation not provided from Lender |
| 672026 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 672026 | XXXX | XXXX | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| 672026 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per Appraisal |
| 683418 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 683418 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per appraisal report |
| 683418 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 941.01 | DSCR |
| 692926 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Settlement Statement |
| 697746 | XXXX | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 |
| 699059 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| 699059 | XXXX | XXXX | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per 1008. |
| 715221 | XXXX | XXXX | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | Per HUD |
| 720941 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 728825 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| 747840 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement statement |
| 747840 | XXXX | XXXX | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement statement |
| 756747 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | audit includes HOA |
| 756747 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.71 | 25.00 | Per assets and Cash out |
| 756747 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.81 | 40.50 | audit calculated higher debts and HOA dues |
| 759140 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 51.09 | 97.00 | Used Bk accts plus cash back as reserves |
| 763935 | XXXX | XXXX | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| 763935 | XXXX | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Alt Doc 12 Mos BS |
| 776450 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 780100 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 780409 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 781928 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 781928 | XXXX | XXXX | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 |
| 781928 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.64 | 21.99 | DTI difference is due to other monthly debts not counted on initial 1003/1008 |
| 788360 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| 793834 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 809337 | XXXX | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| 809337 | XXXX | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per appraisal |
| 851077 | XXXX | XXXX | XXXX | XXXX | Qualifying Amortization Term | notePage | 0 | 480 | Per note |
| 851077 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per note |
| 851077 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 107.23 | 98.00 | Per CD cash to borrower |
| 851077 | XXXX | XXXX | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| 852940 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 122.94 | 9.00 | cash-out proceeds |
| 856288 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | 8365.87 | XXXX | per P&L income |
| 856288 | XXXX | XXXX | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | 8365.87 | XXXX | per P&L income |
| 856288 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statements |
| 856288 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.84 | 14.00 | per bank statements |
| 856288 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.98 | 34.13 | Variance due to higher REO income loss |
| 856289 | XXXX | XXXX | XXXX | XXXX | ARM Subsequent Interest Rate Cap | notePage | 1 | 2.0000 | Per Note |
| 857724 | XXXX | XXXX | XXXX | XXXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXXX | XXXX | per cd |
| 857724 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| 857724 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender did not include HOA fee |
| 859802 | XXXX | XXXX | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per the loan approval. |
| 859802 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per the credit report in the file. |
| 859802 | XXXX | XXXX | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | 0 | Per the appraisal. |
| 859802 | XXXX | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | Per the credit report |
| 859802 | XXXX | XXXX | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Per Note |
| 863917 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal report |
| 865469 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 26.92 | 11.00 | per bank statements |
| 865471 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.73 | 79.00 | used all assets available |
| 865471 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statements |
| 865471 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.122 | 1.0012 | lender HOI and taxes are less than actual per docs in file |
| 867474 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Closing date per HUD1 |
| 867474 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.157 | 1.1653 | Audit matched lender PITIA/Rent. Lender calculation not in file. |
| 872221 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.08 | 11.00 | Per assets in file. |
| 872221 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per assets in file |
| 872228 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final settlement statement |
| 872228 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statements |
| 874190 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 0.46 | 48.00 | used all assets in file |
| 874194 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.429 | 1.5243 | Originator did not include Monthly HOA amount is DSCR calculation. |
| 874195 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 33.6 | 38.00 | Per assets. |
| 874197 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 40.5 | 70.00 | Per asset docs. |
| 874198 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| 874198 | XXXX | XXXX | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report |
| 874198 | XXXX | XXXX | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 730 | 757 | Original Credit Report Expired - Per Updated Credit Report |
| 874198 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.38 | 21.00 | Per asset statements in file. |
| 874995 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Settlement |
| 874995 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3052.77 | 2752.77 | Lender did not include HOA fee |
| 876590 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | 9778.91 | 9916.34 | Base income verified to be slightly lower. OT income verified to be higher, used lenders calc. |
| 876590 | XXXX | XXXX | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | 9778.91 | 9916.34 | Base income verified to be slightly lower. OT income verified to be higher, used lenders calc. |
| 876590 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 1.1257 | Not a DSCR loan |
| 876591 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | used 80% as borrower owns 80% of the business |
| 876591 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 3.93 | -11.00 | used bank statements and cashout to satisfy the reserve requirement |
| 876592 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 60.82 | 295.00 | assets confirmed |
| 876592 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.393 | 1.298 | Variance due to the taxes |
| 876593 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 57.91 | 20.00 | Audit used all available assets |
| 876596 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.03 | 60.00 | per bank statement |
| 879385 | XXXX | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| 882694 | XXXX | XXXX | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report |
| 882694 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Excluded assets used for asset utilization |
| 882694 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 31.04 | 57.00 | Excluded assets used for asset utilization |
| 882694 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.93 | 37.19 | Audit calcluated higher income |
| 882698 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 85.96 | 0.00 | per bank statements |
| 884648 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 24.01 | 81.00 | per bank statements |
| 884654 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Settlement Statement |
| 884654 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.38 | 49.00 | per bank statements |
| 884654 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statements |
| 884656 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statements |
| 884656 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.53 | 14.00 | per bank statements |
| 884656 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | primary |
| 886510 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | primary |
| 886512 | XXXX | XXXX | XXXX | XXXX | Borrower 1 FTHB | the1003Page | true | N | per 1003 |
| 886512 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | ATR/QM status confirmed |
| 886512 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.17 | 13.00 | Per asset documents. |
| 886516 | XXXX | XXXX | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report. |
| 886516 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | 118832.08 | per bank statements |
| 886516 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 29.41 | 55.00 | per bank statements |
| 888035 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Settlement Statement |
| 888035 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condo | Per Appraisal |
| 888035 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | 6779.01 | Lender did not include HOA dues |
| 888035 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.971 | 1.92 | short term rent/PITIA; lender DSCR worksheet not provided |
| 889316 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 7.66 | 21.00 | per bank statements |
| 889316 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statements |
| 889322 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.08 | -24.00 | per bank statements and c/o |
| 893054 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.16 | 39.00 | verified assets |
| 893057 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 0 | XXXX | cash-out refi proceeds |
| 893057 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 16.43 | 6.00 | cash-out refi proceeds |
| 896108 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.07 | 76.00 | Per checking/savings statements |
| 896110 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Settlement statement |
| 896110 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 58.07 | 65.00 | Per cash out and statements |
| 896111 | XXXX | XXXX | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per B1 credit report |
| 896113 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 33.9 | 90.00 | Per assets |
| 896114 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 25.1 | -12.00 | verified assets from subj transaction and from bank statement |
| 896119 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| 896119 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.53 | 11.00 | per bank statements |
| 896119 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | 3260.86 | assets includes the proceeds from the 2nd loan on the primary residence |
| 898350 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 43.33 | -22.00 | Per CD cash to borrower |
| 898354 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statements |
| 898354 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 1.44 | 37.00 | per bank statements |
| 898359 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.5 | 9.00 | Per assets |
| 898361 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | Primary residence not exempt |
| 898361 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.8 | 30.35 | Audit verified higher debts than 1008 |
| 900224 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| 900224 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per bank statements |
| 900224 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 86.14 | 105.00 | Per bank statements |
| 900224 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | Second home per 1008 |
| 900225 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per HUD |
| 900225 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 12.74 | -31.00 | Per asset docs. |
| 900225 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | assets verified |
| 900225 | XXXX | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.272 | 1.8844 | Per STRpro. |
| 900231 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 900231 | XXXX | XXXX | XXXX | XXXX | Months Since Bankruptcy | creditLiabilitiesPage | 65 | 0 | per credit report |
| 900231 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 10.31 | -83.00 | Per CD |
| 900232 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Not exempt; primary |
| 903342 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 13.66 | 14.00 | Per assets |
| 903342 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Audit matches XXXX |
| 905897 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statement and gift letter |
| 905897 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.67 | 9.00 | per bank statements |
| 905899 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 127.79 | 38.00 | Per assets |
| 905899 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 51.98 | 49.64 | Per gap report, reflects 2 undisclosed student loans. |
| 911761 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.81 | 125.00 | Audit used all available assets |
| 911763 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.7 | 2.00 | Per bank statements |
| 911763 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per bank statements |
| 911764 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 13.29 | 14.00 | assets confirmed - most recent statements used |
| 911767 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| 911767 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per Asset documentation |
| 911771 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Condominium | Single Family Detached | per appraisal - detached condo |
| 911771 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Resolved on PCCD |
| 911771 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.27 | 12.00 | Audit verified assets |
| 911771 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | pending LE |
| 911771 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.54 | 37.91 | Lender omitted B1's auto liability payment, yet no supporting docs provided. Audit included payment in DTI |
| 911776 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 914651 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | 8556.92 | Audit calculated a lower retirement income |
| 914651 | XXXX | XXXX | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated a lower retirement income |
| 914651 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 98.25 | 3.00 | used c/o proceeds |
| 914651 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | primary residence |
| 914652 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per appraisal |
| 914652 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per bank statements |
| 914652 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 9.39 | 6.00 | Per bank statements |
| 914654 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 10.64 | 11.00 | Per assets |
| 914657 | XXXX | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 914657 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| 914657 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per bank statements |
| 914657 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 15.05 | 21.00 | per bank statements |
| 914657 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.94 | 46.52 | Originator included duplicate accounts |
| 917288 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per HUD |
| 917288 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 93.08 | 126.00 | Cash out used for reserves - no assets provided. |
| 919205 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.4 | 29.68 | Audit calculated a lower total liabilities |
| 920874 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.45 | 0.00 | Per verified assets in file |
| 920874 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per verified assets in file |
| 926496 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.03 | 31.72 | The 1008 provided did not include the REO loss |
| 929103 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| 932648 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.29 | 39.93 | origination did not include the P&I for the borrower's primary residence |
| 940508 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.06 | 27.00 | Assets confirmed - match w/lender's |
| 940508 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | ATR/QM: Exempt | QM status confimred |
| 940509 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| 940509 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.1 | 18.00 | Audit used all available assets |
| 945454 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 13.02 | 26.00 | Audit confirmed assets |
| 955446 | XXXX | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | Non-QM: Lender documented all ATR UW factors | Mavent missing from file |
| 955447 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| 955447 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per bank statements |
| 955447 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 10.85 | 34.00 | Per bank statements |
| 961953 | XXXX | XXXX | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per bank statements |
| 961953 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.61 | 15.00 | Per bank statements |
| 963103 | XXXX | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | per Note |
| 963103 | XXXX | XXXX | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report |
| 990543 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 30.67 | 1.00 | Cash out used for reserves |
| 990543 | XXXX | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.8 | 36.60 | Primary 1st lien is higher than on 1008. |
| 1010278 | XXXX | XXXX | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final closing statement |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanRecordID** | **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** |
| 593155 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 664695 | XXXX | XXXX | XXXX C B A | Closed | FCRE1198 | 2025-07-02 16:15 | 2025-07-07 16:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received 2 months investment statements reflecting sufficient reserves - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The borrower has $XXXX in investment assets, which is sufficient to meet the 18 mo. ($XXXX) reserve requirements. - Seller-07/03/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 18 month(s) Per matrix unlimited cash out over 60% LTV requires 18 months of reserves (exclusive from Cash Back). Assets provided were used as income for qualifying therefore can not be used as reserves. Lender exception in the file was for loan amount and unlimited cash out (did not address reserve requirements). - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. We respectfully disagree. The borrower has $XXXX in investment assets, which is sufficient to meet the 18 mo. ($XXXX) reserve requirements. - Seller-07/03/2025 | Resolved-Received 2 months investment statements reflecting sufficient reserves - Due Diligence Vendor-07/07/2025<br>| Qualifying DTI below maximum allowed - DTI of 34.83% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 55 months |  | 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 | 4643041 |
| 664695 | XXXX | XXXX | XXXX C B A | Closed | FCRE1199 | 2025-07-02 13:17 | 2025-07-02 16:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted to allow loan amount to XXXX, Non-material waiver applied with comp factors. non-material due to B1 excellent credit profile and LTV under 65% - Due Diligence Vendor-07/02/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $XXXX Lender exception in file to allow loan amount of $XXXX - Due Diligence Vendor-07/02/2025 |  | Waived-Originator exception granted to allow loan amount to 4 million, Non-material waiver applied with comp factors. non-material due to B1 excellent credit profile and LTV under 65% - Due Diligence Vendor-07/02/2025<br>| Qualifying DTI below maximum allowed - DTI of 34.83% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 55 months | No mortgage lates 24 months<br> Fico score 95 points above the minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4634067 |
| 664695 | XXXX | XXXX | XXXX C B A | Closed | FCRE1492 | 2025-07-02 16:07 | 2025-07-02 16:22 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow unlimited cash out, Non-material waiver applied with comp factors. non-material due to B1 excellent credit profile and LTV under 65% - Due Diligence Vendor-07/02/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements Lender exception provided for unlimited cash out. - Due Diligence Vendor-07/02/2025 |  | Waived-Originator exception granted to allow unlimited cash out, Non-material waiver applied with comp factors. non-material due to B1 excellent credit profile and LTV under 65% - Due Diligence Vendor-07/02/2025<br>| Qualifying DTI below maximum allowed - DTI of 34.83% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 55 months | No mortgage lates 24 months<br> Fico score 95 points above the minimum |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4642917 |
| 666922 | XXXX | XXXX | XXXX D B C A | Closed | FCOM1221 | 2025-07-08 13:02 | 2025-07-08 13:03 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/08/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-07/08/2025 <br>Open-Missing legal description attached to Deed of Trust - Due Diligence Vendor-07/08/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/08/2025<br>| Months Reserves exceed minimum required - 0 months reserves required, borrower has 3.17 documented<br>Credit history exceeds minimum required - Credit history 0x30x24 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4734124 |
| 666922 | XXXX | XXXX | XXXX D B C A | Closed | FCRE0970 | 2025-07-07 13:15 | 2025-07-07 15:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Appraisal transfer > 60 days old. Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-07/07/2025 |  | Waived-Appraisal transfer > 60 days old. Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to non ATR affecting and strong compensating factors. - Due Diligence Vendor-07/07/2025<br>| Months Reserves exceed minimum required - 0 months reserves required, borrower has 3.17 documented<br>Credit history exceeds minimum required - Credit history 0x30x24 | credit history 0x30x24<br> no mortgage lates<br> 4+ years in Primary residence |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4691868 |
| 672026 | XXXX | XXXX | XXXX C B A | Closed | FCRE1441 | 2025-07-10 15:11 | 2025-07-16 12:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow the charge-off to remain open. - Due Diligence Vendor-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements Collections and charge-offs ≥ 24 months old with a maximum of $2,500 per occurrence. B1 has open charge off greater than 24 mths and exceeds $2500 that there is no proof closed or Collections and charge-offs ≥ 24 months old with a maximum of $2,500 per occurrence or exceed state statutes.<br>- Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow the charge-off to remain open. - Due Diligence Vendor-07/16/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 73.51 mths in reserves <br>DSCR % greater than 1.20 - DSCR > 1.2%- Borrower's DSCR 1.81% | - LTV more than 5 pts below program minimum <br> - DSCR over 1.2<br> 73.51 months of reserves. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4771335 |
| 672026 | XXXX | XXXX | XXXX C B A | Closed | FCRE0970 | 2025-07-10 15:22 | 2025-07-11 10:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/11/2025 <br>Open-Exception request: Please allow for more than 1 vacant unit. Our guidelines allow 100 vacancy for 1-4 unit properties. - Due Diligence Vendor-07/10/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/11/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 73.51 mths in reserves <br>DSCR % greater than 1.20 - DSCR > 1.2%- Borrower's DSCR 1.81% | - LTV more than 5 pts below program minimum <br> - DSCR over 1.2 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4771593 |
| 675334 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 683418 | XXXX | XXXX | XXXX B A | Closed | FCRE8201 | 2025-07-21 13:12 | 2025-07-21 14:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow for - to waive title seasoning for Cash-Out refinance [ current guide requires 3 months title seasoning for cash out refinance ] . Non-material waiver applied to finding with compensating factors.<br> Experienced Investor. - Due Diligence Vendor-07/21/2025 <br> Open-Lender Exception Granted: Approved to waive title seasoning for cash-out refi, current guides requires 3 months title seasoning for cash-out. Subject to deed granting borrower LLC dated XXXX (Provided in file). - Due Diligence Vendor-07/21/2025 |  | Waived-Originator exception granted to allow for - to waive title seasoning for Cash-Out refinance [ current guide requires 3 months title seasoning for cash out refinance ] . Non-material waiver applied to finding with compensating factors.<br> Experienced Investor. - Due Diligence Vendor-07/21/2025<br>| DSCR % greater than 1.20 - Lender minimum DSCR 1.0, borrower DSCR 1.545.<br>LTV is less than guideline maximum - Lender max LTV 60%, subject LTV 23.70%. | 1. LTV 5% below maximum(23%)<br> 2. DSCR is over 1.25. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4890301 |
| 692926 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2025-07-22 09:16 | 2025-07-31 18:05 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. Mortgage with legal provided, please clear finding. - Seller-07/30/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----missing legal description - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Mortgage with legal provided, please clear finding. - Seller-07/30/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 620 required, subject 676. <br>Months Reserves exceed minimum required - 3 months required, subject 89 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4900839 |
| 697746 | XXXX | XXXX | XXXX D A | Closed | FCRE1197 | 2025-08-06 08:44 | 2025-08-08 21:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 638 is greater than or equal to Guideline FICO of 620. The lender provided new guides to be used, and therefore, the finding is no longer valid. - Due Diligence Vendor-08/09/2025 <br> Ready for Review-we have the option to use our XXXX guidelines or to use a specific investor guidelines... our 1008 showed that we used the XXXX guidelines on this loan - Seller-08/08/2025 <br> Counter-Loan was submitted with XXXX guidelines and Matrix. Finding remains. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. per XXXX guidelines (investor we are selling to), 620 is the low score allowed - Seller-08/06/2025 <br> Open-Audited FICO of 638 is less than Guideline FICO of 700 . Audited FICO of 638 is less than Guideline FICO requirement of 700. - Due Diligence Vendor-08/06/2025 | Ready for Review-we have the option to use our XXXX guidelines or to use a specific investor guidelines... our 1008 showed that we used the XXXX guidelines on this loan - Seller-08/08/2025 <br> Ready for Review-Document Uploaded. per XXXX guidelines (investor we are selling to), 620 is the low score allowed - Seller-08/06/2025 | Resolved-Audited FICO of 638 is greater than or equal to Guideline FICO of 620. The lender provided new guides to be used, and therefore, the finding is no longer valid. - Due Diligence Vendor-08/09/2025<br>| LTV is less than guideline maximum - LTV is 45% and max allowed is 75%<br>Months Reserves exceed minimum required - Borrower has 59.75 months of reserves and only needs 6 months to qualify. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5071890 |
| 697746 | XXXX | XXXX | XXXX D A | Closed | FCRE3653 | 2025-08-06 08:46 | 2025-08-08 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received rent free letter. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. rent free loe - Seller-08/06/2025 <br>Open-Missing letter of explanation from spouse to evidence borrower lives rent free. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. rent free loe - Seller-08/06/2025<br>| Resolved-Received rent free letter. - Due Diligence Vendor-08/08/2025<br>| LTV is less than guideline maximum - LTV is 45% and max allowed is 75%<br>Months Reserves exceed minimum required - Borrower has 59.75 months of reserves and only needs 6 months to qualify. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5071922 |
| 699059 | XXXX | XXXX | XXXX C B A | Closed | FCRE9996 | 2025-08-01 13:55 | 2025-09-25 16:19 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received SB326 Report. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Report attached - Seller-09/23/2025 <br> Ready for Review-i. We should not need the HOA to confirm that the engineering report is not needed. XXXX state law already XXXXed it's only for properties that are 3 or more stories. - Seller-09/18/2025 <br> Counter-3 Stories applies to XXXX Requirements. XXXX requirements - Load-bearing components that extend beyond the exterior walls of the building and that are supported in whole or substantial part by wood or wood-based products and elevated more than 6 feet above ground level and designed for human occupancy or use which includes: Decks, Balconies, Stairways, Walkways, Railings - Due Diligence Vendor-09/17/2025 <br> Ready for Review-SB326 does not apply to properties that are only 2 levels, therefore any deck/balcony reference in SB326 would not apply. Please confirm if this finding was escalated for management review. - Seller-09/15/2025 <br> Counter-After further review- Subject property has 2 levels (second level being 6 feet or more above ground) there is a deck/balcony that appears to be wood based. SB 326 refers to decks, balconies, stairways, walkways and their railings that have a walking surface elevated more than 6 feet above ground that are designed for human occupancy use and that are supported in whole or in substantial part by wood or wood based products in buildings containing 3 or more multi-family dwelling units. The bill applies to condos, townhomes PUDs and coops with 3 or more attached units- Condition remains - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Again, S.B. 326, only applies for condos that are 3 or more stories. Kindly escalate this matter to XXXX management to resolve, as the subject project is only 2 stories. - Seller-09/11/2025 <br> Counter-XXXX milestone required if - Load-bearing components that extend beyond the exterior walls of the building and that are supported in whole or substantial part by wood or wood-based products and elevated more <br> than 6 feet above ground level and designed for human occupancy or use. OR Hoa to confirm not required. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Per appraisal, subject is only 2 stories, so SB326 requirements do not apply. please waive - Seller-09/10/2025 <br> Counter-Received appraisal-missing structural milestone report-HOA to provide verification that the SB 326 inspection with date completed or provide completed SB 326 inspection for review. (Note: Condo Questionnaire, #39, verified the last building inspection by a licensed architect, licensed engineer, or any other building inspector was completed on XXXX; however, notes do not confirm whether this was the required SB 326 inspection). - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please see appraisal report verified "PER XXXX HOA, THERE IS NO MEDIATION, PRELITIGATION, OR PENDING LITIGATION." - Seller-08/08/2025 <br> Open-The file does not contain the required structural engineer report per XXXX law. HOA to provide verification that the SB 326 inspection with date completed or provide completed SB 326 inspection for review. (Note: Condo Questionnaire, #39, verified the last building inspection by a licensed architect, licensed engineer, or any other building inspector was completed on XXXX; however, notes do not confirm whether this was the required SB 326 inspection). - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Report attached - Seller-09/23/2025 <br> Ready for Review-i. We should not need the HOA to confirm that the engineering report is not needed. XXXX state law already XXXXed it's only for properties that are 3 or more stories. - Seller-09/18/2025 <br> Ready for Review-SB326 does not apply to properties that are only 2 levels, therefore any deck/balcony reference in SB326 would not apply. Please confirm if this finding was escalated for management review. - Seller-09/15/2025 <br> Ready for Review-Again, S.B. 326, only applies for condos that are 3 or more stories. Kindly escalate this matter to XXXX management to resolve, as the subject project is only 2 stories. - Seller-09/11/2025 <br> Ready for Review-Per appraisal, subject is only 2 stories, so SB326 requirements do not apply. please waive - Seller-09/10/2025 <br> Ready for Review-Document Uploaded. Please see appraisal report verified "PER XXXX, THERE IS NO MEDIATION, PRELITIGATION, OR PENDING LITIGATION." - Seller-08/08/2025 | Resolved-Received SB326 Report. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 777.<br>Months Reserves exceed minimum required - 17.52 mos reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5026951 |
| 699059 | XXXX | XXXX | XXXX C B A | Closed | FCRE1483 | 2025-08-01 12:29 | 2025-09-17 10:48 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Upon further review, used the balance as of the closing date. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Bank statement for XXXX should be acceptable up through funding date. Large deposits do not need to be sourced. Please clear finding or escalate to management. Note: The initial post closing submission package already hand XXXX statement, so there are no gap issues. - Seller-09/15/2025 <br> Counter-Received bank statement dated XXXX and confirmation of removal of gift. Bank statement is not eligible for review as dated post Note date of XXXX. Bank statement reflects deposit of $124,857.73 on XXXX that is not sourced. (this was the amount wired to title as well). - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. XXXX assets used for funds to close uploaded. Note: no large deposit sourcing required. No gift funds were part of this transaction. Updated 1003 and 1008 uploaded - Seller-09/11/2025 <br> Counter-Review reflects XXXX balance of $16,371.32 on 6/30-insufficient for $124,857.73 wire. Please provide corrected final 1003 removing gift if not consider and source sufficient funds for closing. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-The gift letter is null / Void, The $124,857.73 Funds were wired to close from Borrower'sXXXX, Wire receipt verifies account details match the statement in file. - Seller-08/08/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements Provide docs to verify the XXXX gift funds were sent from donor' account. (Note: Closing wire for $124,857.73 on 7.23 was not from donor's account and was not for amount of gift letter). - Due Diligence Vendor-08/01/2025 | Ready for Review-Bank statement for XXXX should be acceptable up through funding date. Large deposits do not need to be sourced. Please clear finding or escalate to management. Note: The initial post closing submission package already hand XXXX statement, so there are no gap issues. - Seller-09/15/2025 <br> Ready for Review-Document Uploaded. July assets used for funds to close uploaded. Note: no large deposit sourcing required. No gift funds were part of this transaction. Updated 1003 and 1008 uploaded - Seller-09/11/2025 <br> Ready for Review-The gift letter is null / Void, The $124,857.73 Funds were wired to close from Borrower's XXXX, Wire receipt verifies account details match the statement in file. - Seller-08/08/2025 | Resolved-Upon further review, used the balance as of the closing date. - Due Diligence Vendor-09/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 777.<br>Months Reserves exceed minimum required - 17.52 mos reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5025420 |
| 699059 | XXXX | XXXX | XXXX C B A | Closed | FCRE1194 | 2025-08-01 13:52 | 2025-09-17 10:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received confirmation of Type S warranty. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. Please clear, Warrantable attestation provided - Please see attached - litigation docs showing it's a personal injury and not anything related to safety, structural soundness, habitability, or functional use of the project - Seller-09/04/2025 <br>Counter-Received confirmation of S Type full review-pending confirmation of litigation. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. Corrected 1008 enclosed. - Seller-08/27/2025 <br>Counter-Limited review noted on 1008-please provide condo warranty. - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Please waive this finding, as the file contains sufficient documentation to support a full condo review. The presence of litigation alone does not render the project non-warrantable. - Seller-08/22/2025 <br>Counter-Condos involved in litigation are not eligible for limited review as noted on 1008. Finding remains. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Does not apply, See 1008 states Warrantable attestation - Seller-08/08/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Max LTV for a non-warrantable condo (litigation) is 75% - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please clear, Warrantable attestation provided - Please see attached - litigation docs showing it's a personal injury and not anything related to safety, structural soundness, habitability, or functional use of the project - Seller-09/04/2025 <br>Ready for Review-Document Uploaded. Corrected 1008 enclosed. - Seller-08/27/2025 <br>Ready for Review-Please waive this finding, as the file contains sufficient documentation to support a full condo review. The presence of litigation alone does not render the project non-warrantable. - Seller-08/22/2025 <br>Ready for Review-Does not apply, See 1008 states Warrantable attestation - Seller-08/08/2025<br>| Resolved-Received confirmation of Type S warranty. - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 777.<br>Months Reserves exceed minimum required - 17.52 mos reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5026915 |
| 699059 | XXXX | XXXX | XXXX C B A | Closed | FPRO9999 | 2025-08-01 13:04 | 2025-09-09 09:39 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review- litigation is personal injury and does not relate to structural soundness, or have to do with health and safety issues- condition resolved - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Please see attached - litigation docs showing it's a personal injury and not anything related to safety, structural soundness, habitability, or functional use of the project - Seller-09/04/2025 <br> Counter-Received condo litigation guidelines-please provide supporting documentation confirm amount, parties and if attorney opinion letter if applicable. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/27/2025 <br> Counter-Received copy of appraisal. HOA certification reflects litigation. Please provide the following for Condo Litigation: • Is it against the HOA or is the HOA filing the lawsuit•It is major or minor in nature•Does it relate to safety, structural or functionality, NOT JUST the subject unit•Amount of lawsuit•Does the file contain a letter from an attn. or HOA stating lawsuit is covered by Insurance - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-08/08/2025 <br> Open-Condo Litigation: Pg 527, item #65, confirms open litigation related to Workman's Comp Claim. There are no further details provided in file. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached - litigation docs showing it's a personal injury and not anything related to safety, structural soundness, habitability, or functional use of the project - Seller-09/04/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. XXXX - Seller-08/08/2025 | Resolved-After further review- litigation is personal injury and does not relate to structural soundness, or have to do with health and safety issues- condition resolved - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 777.<br>Months Reserves exceed minimum required - 17.52 mos reserves; 3 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5026025 |
| 699059 | XXXX | XXXX | XXXX C B A | Closed | FCRE8201 | 2025-08-01 12:55 | 2025-08-01 13:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/01/2025 <br>Open-Lender Exception: Approved to go above 120% of the 1007 rents, using lease rents of $5,000/m (154%), with security deposit and 1m proof of rent. - Due Diligence Vendor-08/01/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 777.<br>Months Reserves exceed minimum required - 17.52 mos reserves; 3 mos required | 1. Mortgage History 0X30 24 months<br> 2. FICO 20 points above minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5025881 |
| 700717 | XXXX | XXXX | XXXX C A | Closed | FPRO0011 | 2025-07-29 10:29 | 2025-08-05 11:06 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-After further review, the appraisal was completed after the disaster and the appraiser commented that there were no adverse site conditions noted. - Due Diligence Vendor-08/05/2025 <br> Counter-Documentation is insufficient-appraiser to confirm no impact to subject or PDI report required. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Disaster Declaration declared on XXXX, appraisal is effective as of XXXX well after the incident. Please clear finding. - Seller-07/31/2025 <br> Open-XXXX Major Disaster Declaration declared on XXXX Individual Assistance XXXX County - Due Diligence Vendor-07/29/2025 | Ready for Review-Disaster Declaration declared on XXXX, appraisal is effective as of XXXX well after the incident. Please clear finding. - Seller-07/31/2025 | Resolved-After further review, the appraisal was completed after the disaster and the appraiser commented that there were no adverse site conditions noted. - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 754 is higher than the required 720<br>On time mortgage history exceeds guideline requirement - 0x30x12 in the past 17 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4978182 |
| 711857 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 711870 | XXXX | XXXX | XXXX C A | Closed | FCRE1440 | 2025-08-06 13:17 | 2025-08-26 10:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the housing history is provided. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Though credit supplement shows 8 payments, it also verifies that current mortgage was opened in XXXX meaning the borrower was not late for XXXX payment. Being opened in XXXX there would be no payment for XXXX or XXXX, with first payment occurring in XXXX. The supplement shows that the next payment due at the time of the supplement was XXXX and the subject loan funded on XXXX meaning the July payment was also not 30 days late as the mortgage was paid off. This means that there are 12 months of mortgage history verified with no 30 day lates XXXX. - Seller-08/26/2025 <br> Counter-Received divorce decree reflecting required refi and buyout-missing confirmation borrower was not obligated on previous mortgage-DOT received but not Note. Finding remains. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. The loan was in her ex-husband's name, the documents provided attached shows that she bought him out. Please clear finding. - Seller-08/18/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide evidence subject owned free and clear prior or the required 12 month housing history. Only reporting 8 month of history per credit supplemental. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Though credit supplement shows 8 payments, it also verifies that current mortgage was opened in XXXX meaning the borrower was not late for XXXX payment. Being opened in XXXX there would be no payment for XXXX or XXXX, with first payment occurring in October. The supplement shows that the next payment due at the time of the supplement was XXXX and the subject loan funded on XXXX meaning the July payment was also not 30 days late as the mortgage was paid off. This means that there are 12 months of mortgage history verified with no 30 day lates (XXXX). - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. The loan was in her ex-husband's name, the documents provided attached shows that she bought him out. Please clear finding. - Seller-08/18/2025 | Resolved-After further review, the housing history is provided. - Due Diligence Vendor-08/26/2025<br>| Months Reserves exceed minimum required - 9.73 months reserves exceed required 6 by 3.73 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 680 |  | 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 | 5078140 |
| 711870 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2025-08-06 12:33 | 2025-08-12 16:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Mortgage with legal description provided, please clear finding. - Seller-08/11/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal attachment to the Mortgage - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Mortgage with legal description provided, please clear finding. - Seller-08/11/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/12/2025<br>| Months Reserves exceed minimum required - 9.73 months reserves exceed required 6 by 3.73 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 752 is higher than the required 680 |  | 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 | 5077022 |
| 715221 | XXXX | XXXX | XXXX C A | Closed | FCRE1440 | 2025-08-12 13:05 | 2025-09-08 16:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the housing history meets guides. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. XXXX was a lien with no payment please find the note attached. XXXX is not a mortgage and is a XXXX that had a lien, this was paid off, please find info on XXXX along with the already uploaded payoff. - Seller-09/05/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing payment histories for the following mortgage liens on title: XXXX dated XXXX and XXXX dated XXXX. It should be noted that although a payoff letter for XXXX indicates no interest charged after XXXX, the payoff letter also states "principal and interest." Therefore, either a pay history or documentation to show this lien had no monthly payments, is required. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. XXXX was a lien with no payment please find the note attached. XXXX is not a mortgage and is a XXXX that had a lien, this was paid off, please find info on XXXX along with the already uploaded payoff. - Seller-09/05/2025 | Resolved-After further review, the housing history meets guides. - Due Diligence Vendor-09/08/2025<br>| Months Reserves exceed minimum required - 3 months required, subject 21 months. <br>DSCR % greater than 1.20 - DSCR 1.29 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5148265 |
| 720941 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 728824 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 728825 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 747840 | XXXX | XXXX | XXXX D A | Closed | FCRE1194 | 2025-09-05 12:42 | 2025-09-10 16:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Lender confirmed they have determined subject is not Rural. Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-09/10/2025 <br> Ready for Review-the appraisal listed this as rural but XXXX determines if the property is indeed counted as rural, subject is in XXXX ID which is XXXX miles from XXXX which is the XXXX, the population is over XXXX and next to multiple cities in XXXX. - Seller-09/08/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 70% Property is rural. Maximum LTV is 70% for refi. subject is 80% LTV No exception identified in the file. - Due Diligence Vendor-09/05/2025 | Ready for Review-the appraisal listed this as rural but XXXX determines if the property is indeed counted as rural, subject is in XXXX ID which is XXXX miles from XXXX which is the capital, the population is over XXXX and next to multiple cities in XXXX. - Seller-09/08/2025 | Resolved-Lender confirmed they have determined subject is not Rural. Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-09/10/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, subject 41% <br>Months Reserves exceed minimum required - 3 months required, subject 17 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5430078 |
| 747840 | XXXX | XXXX | XXXX D A | Closed | FCRE7497 | 2025-09-05 12:50 | 2025-09-10 16:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. please find the following showing all mtgs are impounded with payments. also no HOA lox - Seller-09/08/2025 <br>Open-The borrower has a primary residence and 2 additional rental properties secured by 4 mortgages. The payments for the mortgages were taken from the credit report. No taxes and insurance and/or HOA was identified. verification the mortgage payments contain the TIA or verification of the totals is required. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. please find the following showing all mtgs are impounded with payments. also no HOA lox - Seller-09/08/2025<br>| Resolved-Received PITIA - Due Diligence Vendor-09/10/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, subject 41% <br>Months Reserves exceed minimum required - 3 months required, subject 17 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5430228 |
| 756747 | XXXX | XXXX | XXXX C A | Closed | FCRE1194 | 2025-09-12 11:16 | 2025-09-18 09:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received correct, final Appraisal. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. appraisal is at XXXX and loan amount is XXXX making the LTV is 80% please clear - Seller-09/15/2025 <br> Open-Audited LTV of 82.33% exceeds Guideline LTV of 80% Per appraised value. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. appraisal is at XXXX and loan amount is XXXX making the LTV is 80% please clear - Seller-09/15/2025 | Resolved-Received correct, final Appraisal. - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - 9.71 months reserves exceed required 3 by 3.71 months<br>Qualifying DTI below maximum allowed - DTI 43.81% is lower than allowable 50% |  | 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 | 5516083 |
| 756747 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2025-09-09 11:54 | 2025-09-18 08:49 | 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-09/18/2025 <br>Ready for Review-Document Uploaded. please find the dot w legal. - Seller-09/15/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. please find the dot w legal. - Seller-09/15/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - 9.71 months reserves exceed required 3 by 3.71 months<br>Qualifying DTI below maximum allowed - DTI 43.81% is lower than allowable 50% |  | 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 | 5467699 |
| 756747 | XXXX | XXXX | XXXX C A | Closed | finding-3532 | 2025-09-08 17:10 | 2025-09-17 08:50 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received tracking disclosure with initial CD receipt date of XXXX. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please find the esign and proof of doc - Seller-09/15/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX 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. -----Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. please find the esign and proof of doc - Seller-09/15/2025<br>| Resolved-Received tracking disclosure with initial CD receipt date of XXXX. - Due Diligence Vendor-09/17/2025 | Months Reserves exceed minimum required - 9.71 months reserves exceed required 3 by 3.71 months<br>Qualifying DTI below maximum allowed - DTI 43.81% is lower than allowable 50% |  | 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 | 5457380 |
| 759140 | XXXX | XXXX | XXXX D B C A | Closed | FCRE2244 | 2025-09-16 12:02 | 2025-10-24 06:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator waiver applied to non material finding with compensating factors. Accepting a non formal road maintenance agreement. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. - Seller-10/23/2025 <br>Ready for Review-Document Uploaded. Please find borrower LOE with information on no formal agreement which aligns with appraisal. - Seller-10/23/2025 <br>Open-Property Issues are identified for the property Borrowers live on a private road. Appraiser states on Page 120 - Site section - road is maintained through friendly agreement. Guides on page 101 - indicate road maintenance agreement is required. Charges for maintenance of private roads are considered an assessment and should be included in DTI. Need copy of agreement to determine costs for maintenance to be added into DTI. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025 <br>Ready for Review-Document Uploaded. Please find borrower LOE with information on no formal agreement which aligns with appraisal. - Seller-10/23/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Accepting a non formal road maintenance agreement. - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. We have 45.09 months of reserves remaining. <br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower has 715 - over by 35 pts | 19% DTI<br> 715 fico | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5554600 |
| 759140 | XXXX | XXXX | XXXX D B C A | Closed | FCRE1440 | 2025-09-16 11:51 | 2025-09-26 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Borrowers owned the property free and clear, per chain of title, prior to the current mortgage. Housing history provided. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. The current mtg. was recorded on XXXX, and the 1st payment was not due until XXXX as reported on the credit report. Before this mortgage, the property was free and clear attached is the prelim with COT - Seller-09/25/2025 <br> Open-Housing History Does Not Meet Guideline Requirements 12 months of housing history is required. We have 11 months verified. 10 months on credit report and 1 month showing on mtg statement. Verified through XXXX. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. The current mtg. was recorded on XXXX, and the 1st payment was not due until XXXX as reported on the credit report. Before this mortgage, the property was free and clear attached is the prelim with COT - Seller-09/25/2025 | Resolved-Borrowers owned the property free and clear, per chain of title, prior to the current mortgage. Housing history provided. - Due Diligence Vendor-09/26/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. We have 45.09 months of reserves remaining. <br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower has 715 - over by 35 pts |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5554305 |
| 759140 | XXXX | XXXX | XXXX D B C A | Closed | FCRE1319 | 2025-09-16 11:23 | 2025-09-26 14:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-Two years of tax transcripts were provided. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. This a 2-year full doc., which falls under the 1099 program and the self-employment GL do not apply. <br> please see attached and clear - Seller-09/25/2025 <br> Counter-Received W2 and 1099 transcripts-finding remains- income from 1099-NEC Nonemployee Compensation is considered self employed-Borrower 1 Personal Tax Returns Missing Income has not been met. We need signed and dated XXXX & XXXX tax returns with YTD XXXX P&L (signed/dated) for borrower. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. borrower is 1099 employee not self employed, all income and transcripts uploaded - Seller-09/18/2025 <br> Open-Borrower 1 Personal Tax Returns Missing Income has not been met. We need signed and dated XXXX & XXXX tax returns with YTD XXXX P&L (signed/dated) for borrower. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. This a 2-year full doc., which falls under the 1099 program and the self-employment GL do not apply. <br> please see attached and clear - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. borrower is 1099 employee not self employed, all income and transcripts uploaded - Seller-09/18/2025<br>| Resolved-Two years of tax transcripts were provided. - Due Diligence Vendor-09/26/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. We have 45.09 months of reserves remaining. <br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower has 715 - over by 35 pts |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5553319 |
| 759140 | XXXX | XXXX | XXXX D B C A | Closed | FCRE1324 | 2025-09-16 11:23 | 2025-09-26 14:26 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Two years of tax transcripts were provided. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. This a 2-year full doc., which falls under the 1099 program and the self-employment GL do not apply. <br> please see attached and clear - Seller-09/25/2025 <br> Counter-Received W2 and 1099 transcripts-finding remains- income from 1099-NEC Nonemployee Compensation is considered self employed-Borrower 1 Personal Tax Returns Missing Income has not been met. We need signed and dated XXXX & XXXX tax returns with YTD XXXX P&L (signed/dated) for borrower. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. borrower is 1099 employee not self employed transcripts uploaded per guides. - Seller-09/18/2025 <br> Open-Borrower 1 Tax Returns Not Signed Income has not been met. We need signed and dated XXXX & XXXX tax returns with YTD XXXX P&L (signed/dated) for borrower. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. This a 2-year full doc., which falls under the 1099 program and the self-employment GL do not apply. <br> please see attached and clear - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. borrower is 1099 employee not self employed transcripts uploaded per guides. - Seller-09/18/2025<br>| Resolved-Two years of tax transcripts were provided. - Due Diligence Vendor-09/26/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. We have 45.09 months of reserves remaining. <br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower has 715 - over by 35 pts |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5553320 |
| 759140 | XXXX | XXXX | XXXX D B C A | Closed | FCRE1495 | 2025-09-16 11:29 | 2025-09-26 14:25 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Current Employment Not Verified | Resolved-Two years of tax transcripts were provided. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. This a 2-year full doc., which falls under the 1099 program and the self-employment GL do not apply. <br> please see attached and clear - Seller-09/25/2025 <br> Counter-Received W2 and 1099 transcripts-finding remains- income from 1099-NEC Nonemployee Compensation is considered self employed-Borrower 1 Personal Tax Returns Missing Income has not been met. We need signed and dated XXXX & XXXX tax returns with YTD XXXX P&L (signed/dated) for borrower. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. income is uploaded. - Seller-09/18/2025 <br> Open-ATR: Current Employment Not Verified Borrower's income has not been verified. Missing XXXX & XXXX tax returns with YTD XXXX P&L - all to be signed/dated. Need updated VVOE for borrower - as it states he started XXXX but we have 1099 for XXXX & XXXX. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. This a 2-year full doc., which falls under the 1099 program and the self-employment GL do not apply. <br> please see attached and clear - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. income is uploaded. - Seller-09/18/2025<br>| Resolved-Two years of tax transcripts were provided. - Due Diligence Vendor-09/26/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. We have 45.09 months of reserves remaining. <br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower has 715 - over by 35 pts |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5553661 |
| 759140 | XXXX | XXXX | XXXX D B C A | Closed | FCRE1437 | 2025-09-15 15:38 | 2025-09-26 14:24 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Two years of tax transcripts were provided. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. <br> This a 2-year full doc., which falls under the 1099 program and the self-employment GL do not apply. <br> please see attached and clear - Seller-09/25/2025 <br> Counter-Received W2 and 1099 transcripts-finding remains- income from 1099-NEC Nonemployee Compensation is considered self employed-Borrower 1 Personal Tax Returns Missing Income has not been met. We need signed and dated XXXX & XXXX tax returns with YTD XXXX P&L (signed/dated) for borrower. Provide income calculation worksheet as well. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. yes income is clear uploaded for review. - Seller-09/18/2025 <br> Open-Income and Employment Do Not Meet Guidelines His income does not meet guidelines. Borrower's income has not been verified.&nbsp;&nbsp;&nbsp;&nbsp; - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. <br> This a 2-year full doc., which falls under the 1099 program and the self-employment GL do not apply. <br> please see attached and clear - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. yes income is clear uploaded for review. - Seller-09/18/2025<br>| Resolved-Two years of tax transcripts were provided. - Due Diligence Vendor-09/26/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. We have 45.09 months of reserves remaining. <br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower has 715 - over by 35 pts |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5542604 |
| 759140 | XXXX | XXXX | XXXX D B C A | Closed | FCRE1364 | 2025-09-15 15:46 | 2025-09-23 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received 4506c for B2. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. 4506 - Seller-09/18/2025 <br>Open-Borrower 2 Executed 4506-T/4506-C is Missing We are missing 4506C form for co-borrower that should have been signed at application and at closing. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. 4506 - Seller-09/18/2025<br>| Resolved-Received 4506c for B2. - Due Diligence Vendor-09/23/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. We have 45.09 months of reserves remaining. <br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower has 715 - over by 35 pts |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5542853 |
| 759140 | XXXX | XXXX | XXXX D B C A | Closed | finding-3634 | 2025-09-11 12:13 | 2025-09-22 10:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd evidence of COC for increase in origination fee. Finding resolved. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. coc - Seller-09/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $674.40.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 $674.40 (Loan Origination Fee and Credit Report 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 $593.70, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations Three years; expiration date is XXXX. [Final CD and PCCD include reimbursement of $80.70 for charges that cannot increase, reimbursement is not sufficient] - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. coc - Seller-09/18/2025<br>| Resolved-Rec'd evidence of COC for increase in origination fee. Finding resolved. - Due Diligence Vendor-09/22/2025<br>| Months Reserves exceed minimum required - 6 months reserves required. We have 45.09 months of reserves remaining. <br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower has 715 - over by 35 pts |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5502593 |
| 763935 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 763936 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 776450 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 778794 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 778796 | XXXX | XXXX | XXXX D A | Closed | FCRE5782 | 2025-09-24 11:17 | 2025-09-26 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. uploaded gap credit report - Seller-09/25/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. uploaded gap credit report - Seller-09/25/2025<br>| Resolved-Received Gap Report - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 709 vs. min FICO of 680<br>Qualifying DTI below maximum allowed - 16.54% vs. max DTI 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5652496 |
| 780100 | XXXX | XXXX | XXXX C B A | Closed | FCRE1198 | 2025-09-26 08:59 | 2025-09-30 16:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/27/2025 <br>Open-Audited Reserves of 4.17 month(s) are less than Guideline Required Reserves of 12 month(s) 1008 reflects exception in file for reserves not meeting the minimum requirement. Exception form not in file - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/27/2025<br>| Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-09/30/2025<br>| Qualifying DTI below maximum allowed - DTI of 39.71% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - VOR reflects on time rental history for 32 months. | DTI is 5% below max.<br> Residual income > $3500.<br> 5+ years of verified employment | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5682966 |
| 780409 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2025-09-27 21:46 | 2025-10-02 15:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/01/2025 <br>Counter-Received an Exhibit A document says Prelim Report suggesting from Title. Please provide deed of trust attached to DOT. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/29/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust. - Due Diligence Vendor-09/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/01/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/29/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-10/02/2025<br>| Months Reserves exceed minimum required - Verified assets of 6.17 months exceeds the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 783 which exceeds the minimum of 680 |  | 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 | 5695056 |
| 780409 | XXXX | XXXX | XXXX C A | Closed | finding-47 | 2025-09-25 15:30 | 2025-09-30 07:19 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. pccd issued XXXX showing correct disbursement date - Seller-09/29/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Final CD reflects a disbursement date of XXXX, ROR reflects an expiration date of XXXX. Provide PCCD with a disbursement date after ROR expiration date. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. pccd issued XXXX showing correct disbursement date - Seller-09/29/2025 | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-09/30/2025 | Months Reserves exceed minimum required - Verified assets of 6.17 months exceeds the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 783 which exceeds the minimum of 680 |  | 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 | 5676236 |
| 781928 | XXXX | XXXX | XXXX D A | Closed | FCRE5770 | 2025-09-28 20:47 | 2025-10-03 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit Report Received - 2 Scores and 2 Tradelines - VOR from Management Company satisfies third tradeline - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/30/2025 <br>Open-Borrower 1 Credit Report is Missing. Missing credit report for subject property. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/30/2025<br>| Resolved-Credit Report Received - 2 Scores and 2 Tradelines - VOR from Management Company satisfies third tradeline - Due Diligence Vendor-10/02/2025<br>| Months Reserves exceed minimum required - Verified assets of36.82 months exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 24.64% is less than the maximum allowed per guidelines of 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5696064 |
| 788360 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2025-10-01 11:47 | 2025-10-08 15:12 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Please note that just because the Legal Description was not near the DOT does not mean it was not part of the DOT. Documents can get mixed in the delivery process. Please refer to the top of the previously attached Legal description as confirmation that this was part of the DOT. - Seller-10/06/2025 <br>Counter-Received Legal. Pg 882 is not in sequence with DOT. Please provide recorded DOT to confirm legal was included. - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 882 and attached herein. - Seller-10/03/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-10/01/2025 | Ready for Review-Please note that just because the Legal Description was not near the DOT does not mean it was not part of the DOT. Documents can get mixed in the delivery process. Please refer to the top of the previously attached Legal description as confirmation that this was part of the DOT. - Seller-10/06/2025 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 882 and attached herein. - Seller-10/03/2025<br>| Resolved-Received Legal. - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720--- Borrowers FICO 764<br>Months Reserves exceed minimum required - Min reserves req'd 6 mths-- Borrowers have 11 mths reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5735563 |
| 793825 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2025-10-06 13:32 | 2025-10-10 14:19 | 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-10/10/2025 <br>Ready for Review-Document Uploaded. - Seller-10/08/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 741 is higher than the required 660<br>LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5788483 |
| 793834 | XXXX | XXXX | XXXX D A | Closed | FCRE6019 | 2025-10-07 10:06 | 2025-10-13 13:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-EAD provided. Guides require either an EAD or a XXXX. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Please note that per guide, either a valid Visa OR a Valid EAD Card may be used to document legal entry. The file contains a valid EAD expiring in XXXX which is sufficient to satisfy this requirement. Please waive this item. - Seller-10/13/2025 <br> Counter-Per updated directions, a copy of the XXXX is required due to the borrower not being eligible for the waiver program. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached – EAD in file expires XXXX - Seller-10/09/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing XXXX (per new GL XXXX Waiver program does not apply to borrower as he is here over 90 days) EAD is in file - Due Diligence Vendor-10/07/2025 | Ready for Review-Please note that per guide, either a valid Visa OR a Valid EAD Card may be used to document legal entry. The file contains a valid EAD expiring in XXXX which is sufficient to satisfy this requirement. Please waive this item. - Seller-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached – EAD in file expires XXXX - Seller-10/09/2025 | Resolved-EAD provided. Guides require either an EAD or a XXXX. - Due Diligence Vendor-10/13/2025 | Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 21.73%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 756 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5801660 |
| 793834 | XXXX | XXXX | XXXX D A | Closed | FCRE1506 | 2025-10-07 12:12 | 2025-10-13 10:44 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing income documentation. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-This is a duplicate request - See 24 months bank statements - Seller-10/09/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending missing income documents. - Due Diligence Vendor-10/07/2025 | Ready for Review-This is a duplicate request - See 24 months bank statements - Seller-10/09/2025<br>| Resolved-Received missing income documentation. - Due Diligence Vendor-10/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 21.73%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 756 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5806034 |
| 793834 | XXXX | XXXX | XXXX D A | Closed | FCRE1342 | 2025-10-07 09:16 | 2025-10-13 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received Bank Statements - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-10/09/2025 <br>Open-Borrower 1 Business Bank Statements Missing 24 months missing bank statements - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. please see attached - Seller-10/09/2025<br>| Resolved-Received Bank Statements - Due Diligence Vendor-10/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 21.73%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 756 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5800740 |
| 793834 | XXXX | XXXX | XXXX D A | Closed | FCRE1510 | 2025-10-06 11:06 | 2025-10-10 16:06 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/08/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing LD in mortgage chain. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/08/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-10/10/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 21.73%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 756 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5783985 |
| 793834 | XXXX | XXXX | XXXX D A | Closed | FCRE1440 | 2025-10-07 12:09 | 2025-10-10 16:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/09/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOR and evidence of payments. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/09/2025<br>| Resolved-Received payment history - Due Diligence Vendor-10/10/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 45%, borrowers DTI is 21.73%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 756 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5805885 |
| 806599 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 809337 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 832847 | XXXX | XXXX | XXXX C A | Closed | FCRE2244 | 2025-11-04 12:40 | 2025-11-06 16:43 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, value is supported. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-We respectfully disagree. The loan file included 2 appraisals and the LTV was based on the lower of the two appraisals. The appraiser used all the best available comparables. - Seller-11/04/2025 <br> Open-Property Issues are identified for the property Missing from the Appraisal completed by XXXX, at least 1 comparable from outside the subject's condo to support the subject's value and marketability. - Due Diligence Vendor-11/04/2025 | Ready for Review-We respectfully disagree. The loan file included 2 appraisals and the LTV was based on the lower of the two appraisals. The appraiser used all the best available comparables. - Seller-11/04/2025<br>| Resolved-Upon further review, value is supported. - Due Diligence Vendor-11/06/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less-- Borrower's DSCR % 1.034 and min is .75% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 700-- Borrower's FICO 700 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6118983 |
| 837495 | XXXX | XXXX | XXXX D A | Closed | FPRO1255 | 2025-11-05 10:49 | 2025-11-21 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received condo questionnaire and confirmation from the HOA supporting the subject is not a condotel. HOA states that some unit owners contract with the the HOA to rent out their short term rentals. The appraiser does not reflect and attributes to support the subject is a condotel. Short term rental was used to calculate the DSCR. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-The email confirmation from the HOA states that only "some" units use her and she's "contracted" out to do that check in...Not all units use it. This is not a formal registration desk/ condotel for the whole project . These are short term rentals and other unit owners use other management companies but some of them contract the HOA manager personally to do theirs. <br>We do not view this as a condotel. <br>There is a registration desk for some units that have contracted with me to rent out their units. Other units either are private use or use other rental agencies in town.<br>Additionally, in regards to the DSCR calculation. We are already deducting 20% for this being a short term rental. An additional 20% would not apply here either way. <br>- Seller-11/18/2025 <br> Counter-Email indicate a registration desk is present. Condotel requires a reduction of 20% gross rents-DSCR calculation required if condotel. LTV is limited to 65% for condotel. Additional conditions may apply - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. HOA email Chain regarding no additional assessment and not a condotel. - Seller-11/13/2025 <br> Counter-Received HOA Questionnaire-(1) Subject appears to be condotel based on section 4 of questionnaire and LTV is limited to 65% for condotel-confirm as conflicts with appraisal(2) Questionnaire reflects special assessments-dollar amount is not provided and noted as sliding-appraisal reflects Zero-confirm no special assessments. (3) condotel requires a reduction of 20% gross rents-DSCR calculation required if condotel. Additional conditions may apply - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. HOA questionnaire - Seller-11/11/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-11/05/2025 | Ready for Review-The email confirmation from the HOA states that only "some" units use her and she's "contracted" out to do that check in...Not all units use it. This is not a formal registration desk/ condotel for the whole project . These are short term rentals and other unit owners use other management companies but some of them contract the HOA manager personally to do theirs. <br>We do not view this as a condotel. <br>There is a registration desk for some units that have contracted with me to rent out their units. Other units either are private use or use other rental agencies in town.<br>Additionally, in regards to the DSCR calculation. We are already deducting 20% for this being a short term rental. An additional 20% would not apply here either way. <br>- Seller-11/18/2025 <br> Ready for Review-Document Uploaded. HOA email Chain regarding no additional assessment and not a condotel. - Seller-11/13/2025 <br> Ready for Review-Document Uploaded. HOA questionnaire - Seller-11/11/2025 | Resolved-Received condo questionnaire and confirmation from the HOA supporting the subject is not a condotel. HOA states that some unit owners contract with the the HOA to rent out their short term rentals. The appraiser does not reflect and attributes to support the subject is a condotel. Short term rental was used to calculate the DSCR. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 Qualifying 723<br>Months Reserves exceed minimum required - 12 months reserves exceeds the 2 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6132842 |
| 837495 | XXXX | XXXX | XXXX D A | Closed | FCOM1220 | 2025-11-03 16:01 | 2025-11-17 15:45 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received Recorded DOT including Exhibit A and applicable riders. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. here is the recorded DOT with legal - Seller-11/14/2025 <br>Counter-Received security instrument-missing legal description attachment-provide complete chain including exhibit A - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. dot with vesting and all riders - Seller-11/11/2025 <br>Open-The Deed of Trust is Missing Deed of trust is missing-vesting to be reviewed. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. here is the recorded DOT with legal - Seller-11/14/2025 <br>Ready for Review-Document Uploaded. dot with vesting and all riders - Seller-11/11/2025<br>| Resolved-Received Recorded DOT including Exhibit A and applicable riders. - Due Diligence Vendor-11/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 Qualifying 723<br>Months Reserves exceed minimum required - 12 months reserves exceeds the 2 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6105852 |
| 837495 | XXXX | XXXX | XXXX D A | Closed | FCRE0108 | 2025-11-05 15:11 | 2025-11-12 15:22 | Resolved | 1 - Information C A | Credit | Insurance | XXXX Coverage not met | Resolved-Received XXXX Coverage confirmation. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. please see email and screenshot regarding the XXXX bond and master policy - Seller-11/11/2025 <br> Open-XXXX Coverage not met. Pg 222 $25,000 does not cover subject HOA fee XXXX - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. please see email and screenshot regarding the XXXX bond and master policy - Seller-11/11/2025 | Resolved-Received XXXX Coverage confirmation. - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 Qualifying 723<br>Months Reserves exceed minimum required - 12 months reserves exceeds the 2 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6143487 |
| 837495 | XXXX | XXXX | XXXX D A | Closed | FCOM1352 | 2025-11-05 10:25 | 2025-11-12 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. business purpose attached - Seller-11/11/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Provide business purpose affidavit - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. business purpose attached - Seller-11/11/2025<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 Qualifying 723<br>Months Reserves exceed minimum required - 12 months reserves exceeds the 2 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6132319 |
| 837495 | XXXX | XXXX | XXXX D A | Closed | FCRE1116 | 2025-11-03 16:01 | 2025-11-12 15:18 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Received security instrument-dates match. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. note and dot with all riders attached - Seller-11/11/2025 <br>Open-Security Instrument Date does not match the Note Date Missing DOT - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. note and dot with all riders attached - Seller-11/11/2025<br>| Resolved-Received security instrument-dates match. - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 Qualifying 723<br>Months Reserves exceed minimum required - 12 months reserves exceeds the 2 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6105851 |
| 849212 | XXXX | XXXX | XXXX D B C A | Closed | FCRE5782 | 2025-11-18 10:35 | 2025-11-25 14:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. UDM uploaded - Seller-11/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. UDM uploaded - Seller-11/22/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-11/25/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 14.24% max 50%. Required is 50 Borrower has 14.24<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 762; minimum score 620. Required is 640 Borrower has 762 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6288961 |
| 849212 | XXXX | XXXX | XXXX D B C A | Closed | finding-3532 | 2025-11-14 10:27 | 2025-11-25 10:37 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Received signed CD dated XXXX. Finding Resolved. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. initial cd - Seller-11/22/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX 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. -----Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. initial cd - Seller-11/22/2025<br>| Resolved------Received signed CD dated XXXX. Finding Resolved. - Due Diligence Vendor-11/25/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 14.24% max 50%. Required is 50 Borrower has 14.24<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 762; minimum score 620. Required is 640 Borrower has 762 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6252951 |
| 849212 | XXXX | XXXX | XXXX D B C A | Closed | FCRE1505 | 2025-11-18 10:35 | 2025-11-18 12:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived-Originator exception granted to allow 1x30 on tradeline, Non-material waiver applied with comp factors. non-material due to - Due Diligence Vendor-11/18/2025 <br>Open-The Tradelines for the borrower(s) do not meet the guideline requirements.- Lender exception for a tradeline 1 x24. <br> only 1 tradeline. - Due Diligence Vendor-11/18/2025 |  | Waived-Originator exception granted to allow 1x30 on tradeline, Non-material waiver applied with comp factors. non-material due to - Due Diligence Vendor-11/18/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 14.24% max 50%. Required is 50 Borrower has 14.24<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 762; minimum score 620. Required is 640 Borrower has 762 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6288960 |
| 851077 | XXXX | XXXX | XXXX D A | Closed | FCRE1198 | 2025-11-19 15:45 | 2025-11-24 16:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received settlement statement supporting sufficient reserves. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-XXXX loan with <=65% LTV does not require reserves per guidelines. Please clear finding. - Seller-11/21/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Missing closing statement to confirm cash out amount - Due Diligence Vendor-11/19/2025 | Ready for Review-XXXX loan with <=65% LTV does not require reserves per guidelines. Please clear finding. - Seller-11/21/2025<br>| Resolved-Received settlement statement supporting sufficient reserves. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719<br>LTV is less than guideline maximum - Maximum LTV allowed is 75% - actual LTV is 65%. Required is 75 Borrower has 65 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6311459 |
| 851077 | XXXX | XXXX | XXXX D A | Closed | FCRE0700 | 2025-11-17 10:29 | 2025-11-24 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received settlement statement. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Final settlement statement provided. We do not issue CD for investor loans. Please clear finding. - Seller-11/21/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing CD and Final Hud 1 statement - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Final settlement statement provided. We do not issue CD for investor loans. Please clear finding. - Seller-11/21/2025<br>| Resolved-Received settlement statement. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719<br>LTV is less than guideline maximum - Maximum LTV allowed is 75% - actual LTV is 65%. Required is 75 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6272041 |
| 852940 | XXXX | XXXX | XXXX C A | Closed | FCRE1254 | 2025-11-17 08:52 | 2025-11-21 13:27 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received pro forma reflecting clouds cleared and items met. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. uploaded proforma - Seller-11/20/2025 <br> Open-Property Title Issue Provide a title supplement to delete the following title requirements: (1) Item 18 Mortgage for $1,445.02 in the name of XXXXs; (2) Item 19 Judgment for $XXXX in the name of XXXX; (3) Item 28 Estate Tax due to the USA in the Estate of XXXX) Item 29 Inheritance Tax due to the XXXX in the Estate of XXXX; and (5) Item 5 Pending Tax Sale in the amount of $XXXX plus interest and penalties - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. uploaded proforma - Seller-11/20/2025<br>| Resolved-Received pro forma reflecting clouds cleared and items met. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 765<br>Months Reserves exceed minimum required - Borrower has 122 months reserves. Guidelines require 9 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6270015 |
| 852940 | XXXX | XXXX | XXXX C A | Closed | FCRE0184 | 2025-11-17 09:15 | 2025-11-20 12:04 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Cash-out letter. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. uploaded LOE - Seller-11/19/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Provide a cashout letter. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. uploaded LOE - Seller-11/19/2025<br>| Resolved-Received Cash-out letter. - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 765<br>Months Reserves exceed minimum required - Borrower has 122 months reserves. Guidelines require 9 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6270342 |
| 856288 | XXXX | XXXX | XXXX D B A | Closed | FCRE1193 | 2025-12-12 14:17 | 2025-12-12 14:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Document Uploaded. Originator exception granted to allow 50.98% exceeds Guideline DTI of 50%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-12/12/2025 <br>Open-Audited DTI of 50.98% exceeds Guideline DTI of 50% - Due Diligence Vendor-12/12/2025 |  | Waived-Document Uploaded. Originator exception granted to allow 50.98% exceeds Guideline DTI of 50%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-12/12/2025<br>| Months Reserves exceed minimum required - Borrower has 11.84 months reserves. Guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754 | 14 months Post-closing reserves > 12 months <br> Long Term Homeowner <br> Long Term Employment <br> 754 FICO > 10pts above requirement | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6606880 |
| 856288 | XXXX | XXXX | XXXX D B A | Closed | FCRE1345 | 2025-11-20 15:48 | 2025-12-12 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. We have removed the rental income for the departing primary residence therefore we no longer need a 1007. Please see updated 1003, 1008 and pc exception for dti of 50.982% - Seller-12/08/2025 <br>Counter-Received month to month lease for departing residence-dated after Note date. Review is unable to locate 1007 to confirm market rent. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Please see uploaded LOE, new lease agreement and proof of rent & sd. - Seller-12/02/2025 <br>Open-The borrower's departing residence is rented out. There is a copy of the lease in file; however, missing evidence of proof of receipt of damage deposit and first month's rent on REO 3a. There is a screen print of a bill request to schedule a payment in the amount of $2,200 which does not satisfy the requirement. Additional findings may apply. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. We have removed the rental income for the departing primary residence therefore we no longer need a 1007. Please see updated 1003, 1008 and pc exception for dti of 50.982% - Seller-12/08/2025 <br>Ready for Review-Document Uploaded. Please see uploaded LOE, new lease agreement and proof of rent & sd. - Seller-12/02/2025<br>| Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-12/12/2025<br>| Months Reserves exceed minimum required - Borrower has 11.84 months reserves. Guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6331888 |
| 856289 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 857724 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2025-11-21 09:49 | 2025-11-26 13:17 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage with legal provided. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Copy of Deed of Trust with the legal description provided. Please clear finding. - Seller-11/26/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal description - Due Diligence Vendor-11/23/2025 | Ready for Review-Document Uploaded. Copy of Deed of Trust with the legal description provided. Please clear finding. - Seller-11/26/2025<br>| Resolved-Mortgage with legal provided. - Due Diligence Vendor-11/26/2025<br>| Months Reserves exceed minimum required - 46.01 months reserves exceed required 6 by 40.01 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 706 is higher than the required 680 |  | 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 | 6339365 |
| 857724 | XXXX | XXXX | XXXX C A | Closed | finding-3540 | 2025-11-20 19:14 | 2025-11-26 13:11 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no further documentation is needed or required. There are no COCs or changes on revised CD XXXX that requires proof of borrower receipt<br> - Due Diligence Vendor-11/26/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-11/21/2025 |  | Resolved-Upon further review, no further documentation is needed or required. There are no COCs or changes on revised CD XXXX that requires proof of borrower receipt<br> - Due Diligence Vendor-11/26/2025 | Months Reserves exceed minimum required - 46.01 months reserves exceed required 6 by 40.01 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 706 is higher than the required 680 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6334433 |
| 857724 | XXXX | XXXX | XXXX C A | Closed | finding-3652 | 2025-11-20 19:14 | 2025-11-26 13:11 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in lender credit. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. COC for lender credit provided. Please clear finding. - Seller-11/26/2025 <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 ($4,000.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($6,000.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $6,000 to $4,000 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2,000, 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 - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. COC for lender credit provided. Please clear finding. - Seller-11/26/2025<br>| Resolved-Received COC for decrease in lender credit. - Due Diligence Vendor-11/26/2025<br>| Months Reserves exceed minimum required - 46.01 months reserves exceed required 6 by 40.01 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 706 is higher than the required 680 |  | 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 | 6334434 |
| 859802 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 863917 | XXXX | XXXX | XXXX C A | Closed | FCRE1440 | 2025-11-25 08:34 | 2025-12-02 11:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received lease and bank statements confirming 12 months paid as agreed. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. please see the upl vor - Seller-12/01/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing the VOR. Borrowers who are currently renting a residence, a most recent 12-month rental history is required reflecting paid<br> as agreed. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. please see the upl vor - Seller-12/01/2025<br>| Resolved-Received lease and bank statements confirming 12 months paid as agreed. - Due Diligence Vendor-12/02/2025<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.86<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 732 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6379847 |
| 865469 | XXXX | XXXX | XXXX C A | Closed | FCRE1232 | 2025-11-26 06:42 | 2025-12-01 12:03 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Received confirmation XXXXi program. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Its called XXXX – see matrix - Seller-11/26/2025 <br> Open-The Calculated DSCR of '0.807' is less than the minimum DSCR per lender guidelines of '1'. Data Tape states loan is XXXX but DSCR is less than 1. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Its called XXXX – see matrix - Seller-11/26/2025<br>| Resolved-Received confirmation XXXX program. - Due Diligence Vendor-12/01/2025<br>| Months Reserves exceed minimum required - >26 months available vs. 0 required<br>Credit history exceeds minimum required - credit history of 2 accounts one with a 0x30x24 required - 0x30x99 on 4 plus accounts Exceeds requirements |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6396736 |
| 865471 | XXXX | XXXX | XXXX C A | Closed | FCRE0180 | 2025-11-25 12:53 | 2025-12-03 13:17 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-per Escrow - Mortgages in XXXX require 0 witnesses. - Seller-12/02/2025 <br>Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. Requires two witnesses, but one can be the notary. The notary signed as the witness and notary. - Due Diligence Vendor-11/25/2025 | Ready for Review-per Escrow - Mortgages in XXXX require 0 witnesses. - Seller-12/02/2025<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - > 6 months available vs. 3 months required<br>Credit history exceeds minimum required - Exceeds requirements of 2 open accounts with 1 seasoned 24 months - borrower has 4 accounts seasoned over 34 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6386304 |
| 865765 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 867460 | XXXX | XXXX | XXXX C A | Closed | FCRE1148 | 2025-12-01 09:34 | 2025-12-04 13:28 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Uploaded corrected title report - Seller-12/03/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Uploaded corrected title report - Seller-12/03/2025<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/04/2025<br>| DSCR % greater than 1.20 - Required is 1 Borrower has 2.711 DSCR is 2.711. 1.00 was required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683. Required is 660 Borrower has 683 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6427264 |
| 867474 | XXXX | XXXX | XXXX C B A | Closed | FCRE1194 | 2025-11-26 15:24 | 2025-11-30 11:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted, waiver applied with comp factors. Deemed non material due to > = 5% and acreage only exceeds by XXXX acres. <br> - Due Diligence Vendor-11/30/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% 5% LTV exception due to XXXX acres. 75% max when over 2 acres - Due Diligence Vendor-11/26/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non material due to > = 5% and acreage only exceeds by .87 acres. <br> - Due Diligence Vendor-11/30/2025<br>| Months Reserves exceed minimum required - 3.51 months reserves exceed required 0 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 755 Min FICO = 660 Required is 660 Borrower has 755 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6407916 |
| 870595 | XXXX | XXXX | XXXX C B A | Closed | FCRE1153 | 2025-12-01 09:00 | 2026-03-25 11:10 | Resolved | 1 - Information C A | Credit | Title | Title Effective Date is greater than Note Date | Resolved-Received Updated Title. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Received Updated Title. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. please note original Prelim was dated XXXX however it was updated due to amount of insurance was incorrect. please see attached. - Seller-12/02/2025 <br> Open-Title Form Type is Preliminary Commitment but Title Effective Date is greater than Note Date of XXXX Title commitment in file is dated XXXX; after note date of XXXX. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. please note original Prelim was dated 10/6 however it was updated due to amount of insurance was incorrect. please see attached. - Seller-12/02/2025<br>| Resolved-Received Updated Title. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 652 which exceeds the minimum of 620. Required is 620 Borrower has 652<br>Qualifying DTI below maximum allowed - DTI of 43.42% is below the maximum allowed per guidelines of 50%. Required is 50 Borrower has 43.42 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6426760 |
| 870595 | XXXX | XXXX | XXXX C B A | Closed | FCOM1353 | 2025-11-25 18:06 | 2025-11-25 18:06 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/25/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 652 which exceeds the minimum of 620. Required is 620 Borrower has 652<br>Qualifying DTI below maximum allowed - DTI of 43.42% is below the maximum allowed per guidelines of 50%. Required is 50 Borrower has 43.42 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6391504 |
| 872221 | XXXX | XXXX | XXXX D B C A | Closed | finding-3352 | 2025-11-28 17:26 | 2025-12-05 13:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-12/05/2025 <br> Acknowledged-Originator acknowledges HPML. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Per the funding manager - Alert is ok, loan is locked with impounds and has full appraisal.<br>- Seller-12/02/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. -----Statute of limitations – One year; Expiration date: XXXX - Due Diligence Vendor-11/28/2025 | Ready for Review-Per the funding manager - Alert is ok, loan is locked with impounds and has full appraisal.<br>- Seller-12/02/2025<br>| Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-12/05/2025 <br>Acknowledged-Originator acknowledges HPML. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.55%. Required is 50 Borrower has 35.55<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $17,280.49 in residual income per month. Maximum required per guidelines (when the DTI exceeds 43%) is $1,500. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6420361 |
| 872221 | XXXX | XXXX | XXXX D B C A | Closed | FCRE1198 | 2025-12-01 17:03 | 2025-12-04 13:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves < 12 months, applied to non material finding with comp factors - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. please see the upl PCE - Seller-12/03/2025 <br>Open-Audited Reserves of 11.08 month(s) are less than Guideline Required Reserves of 12 month(s) Provide additional assets to meet reserve requirements. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. please see the upl PCE - Seller-12/03/2025<br>| Waived-Originator provided a waiver for reserves < 12 months, applied to non material finding with comp factors - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.55%. Required is 50 Borrower has 35.55<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $17,280.49 in residual income per month. Maximum required per guidelines (when the DTI exceeds 43%) is $1,500. | Ratios <43%<br> Long Term Employment | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6436744 |
| 872221 | XXXX | XXXX | XXXX D B C A | Closed | finding-3532 | 2025-11-28 17:26 | 2025-12-03 11:43 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Received borrower's acknowledgement of initial CD. Finding Resolved. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. please see the pod for the XXXX CD - Seller-12/02/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. <br> - Due Diligence Vendor-11/28/2025 | Ready for Review-Document Uploaded. please see the pod for the XXXX CD - Seller-12/02/2025 | Resolved------Received borrower's acknowledgement of initial CD. Finding Resolved. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.55%. Required is 50 Borrower has 35.55<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $17,280.49 in residual income per month. Maximum required per guidelines (when the DTI exceeds 43%) is $1,500. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6420360 |
| 872221 | XXXX | XXXX | XXXX D B C A | Closed | FCOM1231 | 2025-11-28 16:41 | 2025-12-03 11:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. please see the upl ini 1003 - Seller-12/02/2025 <br>Open-The Initial 1003 is Missing ----- The Initial 1003 is Missing. Please submit initial 1003 with borrowers acknowledgement. Additional findings may apply upon receipt. - Due Diligence Vendor-11/28/2025 | Ready for Review-Document Uploaded. please see the upl ini 1003 - Seller-12/02/2025<br>| Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 35.55%. Required is 50 Borrower has 35.55<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $17,280.49 in residual income per month. Maximum required per guidelines (when the DTI exceeds 43%) is $1,500. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6419577 |
| 872228 | XXXX | XXXX | XXXX D A | Closed | FPRO1245 | 2025-12-02 17:17 | 2026-03-25 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Primary Value Appraisal is Expired Received Re-Cert of Value with no decline in value. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Uploaded recert - Seller-12/19/2025 <br> Counter-Comment from the appraiser stating no change in value due to the changes of Lender Name and Address provided. Please provide a re-certification of value. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Reference uploaded screenshot which states original report/date from the appraiser is XXXX, this puts the expiration at XXXX. This is pg1 of the initial appraisal uploaded. Please clear - Seller-12/08/2025 <br> Counter-1004D regarding smoke detectors provided. Please provide recertification of value. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. 1004D was already provided, reuploaded - Seller-12/04/2025 <br> Open-Primary Value Appraisal is Expired Provide a Recertification of value. The appraisal report is dated more than 120 days from the note date. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Uploaded recert - Seller-12/19/2025 <br> Ready for Review-Document Uploaded. Reference uploaded screenshot which states original report/date from the appraiser is XXXX, this puts the expiration at XXXX. This is pg1 of the initial appraisal uploaded. Please clear - Seller-12/08/2025 <br> Ready for Review-Document Uploaded. 1004D was already provided, reuploaded - Seller-12/04/2025 | Resolved-Primary Value Appraisal is Expired Received Re-Cert of Value with no decline in value. - Due Diligence Vendor-12/22/2025<br>| Months Reserves exceed minimum required - Borrowers have 18 months reserves. Guidelines require 6 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6455679 |
| 872228 | XXXX | XXXX | XXXX D A | Closed | FCRE2244 | 2025-12-02 17:17 | 2026-03-25 09:41 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the appraiser confirmed release latches. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Photos on appraisal provided reflect property has safety release latches. See snips uploaded, please clear - Seller-12/04/2025 <br>Open-Property Issues are identified for the property Appraiser to comment if the security bars have safety release latches. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Photos on appraisal provided reflect property has safety release latches. See snips uploaded, please clear - Seller-12/04/2025<br>| Resolved-Upon further review, the appraiser confirmed release latches. - Due Diligence Vendor-12/05/2025<br>| Months Reserves exceed minimum required - Borrowers have 18 months reserves. Guidelines require 6 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6455680 |
| 872228 | XXXX | XXXX | XXXX D A | Closed | FCRE1254 | 2025-12-02 17:07 | 2025-12-05 10:53 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Payoff. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Borrower has 3 loans with us, total pay off of all 3 is XXXX. Uploaded Final Statements for XXXX, and reuploaded payoff statement. Please clear - Seller-12/04/2025 <br> Open-Property Title Issue Provide an updated pay off demand policy to reflect the actual pay off amount for the subject property. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Borrower has 3 loans with us, total pay off of all 3 is XXXX. Uploaded Final Statements for XXXX, and reuploaded payoff statement. Please clear - Seller-12/04/2025 | Resolved-Received Payoff. - Due Diligence Vendor-12/05/2025<br>| Months Reserves exceed minimum required - Borrowers have 18 months reserves. Guidelines require 6 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6455590 |
| 874190 | XXXX | XXXX | XXXX D A | Closed | FCOM1352 | 2025-12-05 15:14 | 2025-12-17 15:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Certification - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. reuploaded - Seller-12/12/2025 <br>Counter-Closing package provided, however the Business Purpose and Occupancy Affidavit was not included. Finding remains. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Uploaded Business Purpose Disclosure - Seller-12/08/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing from loan file - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. reuploaded - Seller-12/12/2025 <br>Ready for Review-Document Uploaded. Uploaded Business Purpose Disclosure - Seller-12/08/2025<br>| Resolved-Received Business Purpose Certification - Due Diligence Vendor-12/15/2025<br>| DSCR % greater than 1.20 - DSCR of 1.914 - minimum is 1 <br>Qualifying FICO score is at least 20 points above minimum for program - 700 minimum FICO - borrower has 749 FICO |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6510425 |
| 874192 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 874194 | XXXX | XXXX | XXXX C A | Closed | FCRE0180 | 2025-12-03 13:58 | 2025-12-05 10:28 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-Upon further review, the witness requirements have been met - Due Diligence Vendor-12/05/2025 <br> Ready for Review-please clear condition as the notary it is not the witness, the witness name is XXXX. and the notary is XXXX. - Seller-12/04/2025 <br> Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. XXXX requires one witness, but the notary cannot be the witness - Due Diligence Vendor-12/03/2025 | Ready for Review-please clear condition as the notary it is not the witness, the witness name is XXXX. and the notary is XXXX. - Seller-12/04/2025 | Resolved-Upon further review, the witness requirements have been met - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 680 FICO - actual FICO score is 772. Required is 680 Borrower has 772<br>LTV is less than guideline maximum - Maximum LTV allowed is 85% - actual FICO score is 80%. Required is 85 Borrower has 80 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6470430 |
| 874195 | XXXX | XXXX | XXXX C A | Closed | FCRE8705 | 2025-12-03 10:05 | 2025-12-04 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | Excessive Seller Contributions | Resolved-After further review, the appraisal was POC in the amount of $810. - Due Diligence Vendor-12/04/2025 <br> Open-The final CD reflects that the borrower received seller contribution in the amount of $XXXX; however, the total closing costs is only $XXXX. - Due Diligence Vendor-12/03/2025 |  | Resolved-After further review, the appraisal was POC in the amount of $XXXX. - Due Diligence Vendor-12/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712<br>LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.16 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6463189 |
| 874195 | XXXX | XXXX | XXXX C A | Closed | FCRE8013 | 2025-12-03 09:02 | 2025-12-04 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Purchase Contract provided. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Executed purchase contract included in original upload, pages 324-328. Reuploaded - Seller-12/04/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Provide all pages of the fully executed purchase contract. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Executed purchase contract included in original upload, pages 324-328. Reuploaded - Seller-12/04/2025<br>| Resolved-Purchase Contract provided. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712<br>LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.16 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6461850 |
| 874197 | XXXX | XXXX | XXXX D A | Closed | FCOM8972 | 2025-12-03 13:07 | 2025-12-05 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-Received PUD Rider - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. please see the upl DOT - Seller-12/04/2025 <br>Open-Missing PUD rider. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. please see the upl DOT - Seller-12/04/2025<br>| Resolved-Received PUD Rider - Due Diligence Vendor-12/05/2025<br>| Credit history exceeds minimum required - Exceeds minimum<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 Required is 700 Borrower has 722 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6469009 |
| 874198 | XXXX | XXXX | XXXX C A | Closed | FCRE5778 | 2025-12-04 11:32 | 2025-12-10 15:54 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Received Borrower 1 Credit Report - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Uploaded joint credit report dated 9/12/25. - Seller-12/06/2025 <br> Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). Original credit report dated XXXX. Lender obtained a supplement report dated XXXX; however, no credit scores were obtained. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Uploaded joint credit report dated XXXX. - Seller-12/06/2025 | Resolved-Received Borrower 1 Credit Report - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730<br>Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Borrowers' verifed 17.38 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6485721 |
| 874198 | XXXX | XXXX | XXXX C A | Closed | FCRE5779 | 2025-12-04 11:32 | 2025-12-10 15:54 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 2 Credit Report is Expired | Resolved-Received Borrower 2 Credit Report - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Uploaded joint credit report dated XXXX. - Seller-12/06/2025 <br> Open-Borrower 2 Credit Report is Expired (Greater than 120 days from the Closing Date). Original credit report dated XXXX. Lender obtained a supplement report dated XXXX; however, no credit scores were obtained. - Due Diligence Vendor-12/04/2025 | Ready for Review-Uploaded joint credit report dated XXXX. - Seller-12/06/2025 | Resolved-Received Borrower 2 Credit Report - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730<br>Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Borrowers' verifed 17.38 months of reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6485722 |
| 874198 | XXXX | XXXX | XXXX C A | Closed | FCRE1232 | 2025-12-04 11:29 | 2025-12-10 15:50 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-XXXX - YES Matches Lender - per Change in Terms of Tenancy - Pg 95 - Monthly Rent increased to $1,678.85 per Month - within 120% of 1007 Market Rent of $1,900 - Used Market Rent - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Subject property has had the same tenants since XXXX, the $1100 lease is from the initial lease from XXXX…the current lease in file is fromXXXX shows monthly rental income of $1678.85. This rental amount is less than the 1007 and keeps DSCR > 1. Please clear - Seller-12/10/2025 <br> Counter-Lease agreement provided, guidelines State - If using a higher actual lease amount, evidence of 1-month of receipt or security deposit is required. Please provide the 1-month receipt. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Updated lease agreement was already provided in file. Reflects new rent amount is $1,678.85. Reuploaded, Please clear - Seller-12/05/2025 <br> Open-The Calculated DSCR of '0.828' is less than the minimum DSCR per lender guidelines of '1'. Lender used the market rent of $1,900. Lease in file reflected rental income of $1,100 per month. Guidelines state if using a higher estimated market rent from 1007/1025, it must be within 120% of the lease amount. If the estimated market rent exceeds the lease amount by more than 120%, the estimated market rent is capped at 120%. Therefore, only $1,320 could be used. - Due Diligence Vendor-12/04/2025 | Ready for Review-Subject property has had the same tenants since XXXX, the $1100 lease is from the initial lease from XXXX…the current lease in file is from XXXX shows monthly rental income of $1678.85. This rental amount is less than the 1007 and keeps DSCR > 1. Please clear - Seller-12/10/2025 <br> Ready for Review-Document Uploaded. Updated lease agreement was already provided in file. Reflects new rent amount is $1,678.85. Reuploaded, Please clear - Seller-12/05/2025 | Resolved-XXXX - YES Matches Lender - per Change in Terms of Tenancy - Pg 95 - Monthly Rent increased to $1,678.85 per Month - within 120% of 1007 Market Rent of $1,900 - Used Market Rent - Due Diligence Vendor-12/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730<br>Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Borrowers' verifed 17.38 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6485652 |
| 874995 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2025-12-10 12:36 | 2025-12-19 15:27 | 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-12/19/2025 <br>Ready for Review-Document Uploaded. Please find the DOT wi legal - Seller-12/17/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal to the mortgage - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. Please find the DOT wi legal - Seller-12/17/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 660 is higher than the required 640<br>Credit history exceeds minimum required - 36 month Credit history exceeds minimum required 24 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6570030 |
| 876590 | XXXX | XXXX | XXXX D A | Closed | FCRE5782 | 2025-12-04 14:19 | 2025-12-11 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. uploaded UDN - Seller-12/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. uploaded UDN - Seller-12/10/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.88 Required is 50 Borrower has 38.88<br>Months Reserves exceed minimum required - >30 months available vs. 3 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6490194 |
| 876591 | XXXX | XXXX | XXXX D B A | Closed | FCRE1202 | 2025-12-04 11:59 | 2025-12-10 18:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Interested party search is in the loan file. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. LDP included in original upload, pages 188-190. Reuploaded fraud and LDP, please clear. - Seller-12/10/2025 <br>Counter-Fraud report provided does not include all loan participants. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Complete fraud report uploaded - Seller-12/05/2025 <br>Open-Third Party Fraud Report Partially Provided Provide all pages of the fraud report. Only the summary portion of the report and list checks was provided. Additional conditions may apply. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. LDP included in original upload, pages 188-190. Reuploaded fraud and LDP, please clear. - Seller-12/10/2025 <br>Ready for Review-Document Uploaded. Complete fraud report uploaded - Seller-12/05/2025<br>| Resolved-Interested party search is in the loan file. - Due Diligence Vendor-12/10/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65<br>Verified employment history exceeds guidelines - 4+ years same business |  | 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 | 6486499 |
| 876591 | XXXX | XXXX | XXXX D B A | Closed | FCRE1197 | 2025-12-04 12:22 | 2025-12-10 10:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator provided a waiver for LTV/FICO, applied to non material finding with comp factors - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. PC exception uploaded for LTV - Seller-12/08/2025 <br> Open-Audited FICO of 684 is less than Guideline FICO of 700 The min FICO score required for cashout refinance, 80% LTV, primary residence between $XXXX and $XXXX is 700. Borrower's FICO is only 684. Loan does not meet the guidelines. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. PC exception uploaded for LTV - Seller-12/08/2025<br>| Waived-Originator provided a waiver for LTV/FICO, applied to non material finding with comp factors - Due Diligence Vendor-12/10/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65<br>Verified employment history exceeds guidelines - 4+ years same business | DTI < 43%, minimal consumer debt<br> Residual income > $3k | 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 | 6487074 |
| 876592 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 876593 | XXXX | XXXX | XXXX C A | Closed | FCRE1440 | 2025-12-05 09:28 | 2025-12-10 11:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. both borrowers live rent free (see attached LOEs) these were uploaded with original credit pkg - Seller-12/09/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing verification of housing for both borrowers. DTI will be recalculated once non-occupant co-borrower's housing payment is verified. Additional findings may apply - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. both borrowers live rent free (see attached LOEs) these were uploaded with original credit pkg - Seller-12/09/2025<br>| Resolved-Received Rent Free Letter. - Due Diligence Vendor-12/10/2025<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 38.68<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 751 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6501827 |
| 876596 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 879385 | XXXX | XXXX | XXXX D A | Closed | FCOM1231 | 2025-12-04 14:03 | 2025-12-09 09:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved------Received intiial 1003, XXXX. Retested, finding resolved. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-12/08/2025 <br> Open-The Initial 1003 is Missing -----Initial 1003 missing from file - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. please see attached - Seller-12/08/2025<br>| Resolved------Received intiial 1003, XXXX. Retested, finding resolved. - Due Diligence Vendor-12/09/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.25<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 694 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6489830 |
| 882694 | XXXX | XXXX | XXXX D B A | Closed | FCRE1342 | 2025-12-09 14:34 | 2025-12-16 12:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received 2 months bank statements. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. uploaded nov statement - Seller-12/15/2025 <br> Counter-Received One month statement dated XXXX. Finding is requesting two most recent business statement. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. uploaded statements - Seller-12/12/2025 <br> Open-Borrower 1 Business Bank Statements Missing Provide two business checking account statements for the two most recent months reflected on the P&L. Additional conditions may apply. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. uploaded nov statement - Seller-12/15/2025 <br>Ready for Review-Document Uploaded. uploaded statements - Seller-12/12/2025<br>| Resolved-Received 2 months bank statements. - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 800<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 33.93 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6554453 |
| 882694 | XXXX | XXXX | XXXX D B A | Closed | FCRE1304 | 2025-12-09 14:34 | 2025-12-10 10:18 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-12/10/2025 <br> Open-Income 1 Income Trend is Decreasing utilized XXXX average only. LOE for income is on page 922. - Due Diligence Vendor-12/09/2025 |  | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 800<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 33.93 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6554455 |
| 882695 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 882696 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 882698 | XXXX | XXXX | XXXX C A | Closed | FPRO1257 | 2025-12-08 13:46 | 2025-12-10 19:01 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-XXXX AVM provided with an acceptable FSD score. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. ICE included in original upload, reuploaded. - Seller-12/10/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Provide a CDA or AVM to support the appraised value of XXXX required per the guidelines. Additional conditions may apply. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. XXXX included in original upload, reuploaded. - Seller-12/10/2025 | Resolved-XXXX AVM provided with an acceptable FSD score. - Due Diligence Vendor-12/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 774. Required is 700 Borrower has 774<br>Months Reserves exceed minimum required - Borrower has 85 months reserves. Guidelines require $0. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6532996 |
| 882701 | XXXX | XXXX | XXXX D A C | Closed | FCOM7353 | 2025-12-05 11:14 | 2025-12-11 11:42 | Resolved | 1 - Information C A | Credit | Borrower | XXXXcation of Application Date | Resolved-Received initial 1003. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-uploaded initial 1003 - Seller-12/10/2025 <br>Open--Missing evidence of initial application date. Provide corrected initial application or lender cert/affidavit confirming the application date. - Due Diligence Vendor-12/05/2025 | Ready for Review-uploaded initial 1003 - Seller-12/10/2025<br>| Resolved-Received initial 1003. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.92 Required is 50 Borrower has 43.92<br>Qualifying FICO score is at least 20 points above minimum for program - Non-QHEM_10.28.25 matrix. Required is 680 Borrower has 785 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6503953 |
| 882701 | XXXX | XXXX | XXXX D A C | Closed | FCOM1231 | 2025-12-05 10:15 | 2025-12-11 09:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received the Initial 1003. Finding Resolved. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025 <br>Open-The Initial 1003 is Missing -----Missing initial 1003. Please provide. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-Received the Initial 1003. Finding Resolved. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.92 Required is 50 Borrower has 43.92<br>Qualifying FICO score is at least 20 points above minimum for program - Non-QHEM_10.28.25 matrix. Required is 680 Borrower has 785 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6502703 |
| 884648 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 884649 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 884654 | XXXX | XXXX | XXXX B A | Closed | FCRE0969 | 2025-12-10 10:38 | 2025-12-10 10:39 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-WAIVED: Originator Waiver applied to Non-Material Finding with Comp Factors. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-12/10/2025 <br> Open-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-12/10/2025 |  | Waived-WAIVED: Originator Waiver applied to Non-Material Finding with Comp Factors. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-12/10/2025<br>| DSCR % greater than 1.20 - DSCR of 1.264 which is greater than minimum of 1 and 1.20<br>Months Reserves exceed minimum required - Minimum reserves required = 0 months PITI(a) for the subject property. The borrower has 9.38 months PITI(a) |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6566077 |
| 884656 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2025-12-10 06:54 | 2025-12-12 10:41 | 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-12/12/2025 <br>Ready for Review-Document Uploaded. please see attached for complete deed with legal description :) - Seller-12/11/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide a copy of the Exhibit A reflecting the subject property's legal description. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. please see attached for complete deed with legal description :) - Seller-12/11/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/12/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has monthly residual income of $XXXX which is =/> 1.5 times $3,500 monthly residual income<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 3.29 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6562580 |
| 884658 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 886510 | XXXX | XXXX | XXXX C A | Closed | FCRE2244 | 2025-12-11 10:59 | 2025-12-15 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received confirmation appraiser confirmed non health and safety. Local follows IBC and handrails required for 4 or more risers. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Per appraiser comments, steps are not a safety hazard. Uploaded snip Please clear - Seller-12/12/2025 <br>Open-Property Issues are identified for the property Provide documentation to support that handrails have been installed to the stairs at the rear and side of the subject property. Missing handrails are hazard and safety issues. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Per appraiser comments, steps are not a safety hazard. Uploaded snip Please clear - Seller-12/12/2025<br>| Resolved-Received confirmation appraiser confirmed non health and safety. Local follows XXXX and handrails required for 4 or more risers. - Due Diligence Vendor-12/15/2025 | Months Reserves exceed minimum required - Borrower has 62 months reserves. Guidelines require 0.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.95 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6584577 |
| 886512 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 886516 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 888035 | XXXX | XXXX | XXXX D A | Closed | FPRO1255 | 2025-12-14 16:04 | 2026-03-25 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. HOA cert provided, please clear finding. - Seller-12/16/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing the required HOA questionnaire report - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. HOA cert provided, please clear finding. - Seller-12/16/2025<br>| Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780<br>Months Reserves exceed minimum required - 39.25 months reserves exceed required 3 by 36.25 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6616715 |
| 888035 | XXXX | XXXX | XXXX D A | Closed | FCRE0185 | 2025-12-14 16:45 | 2025-12-17 16:47 | Resolved | 1 - Information C A | Credit | Eligibility | Loan missing Desk Review as required per Guidelines | Resolved-Upon further review, the field review supports the appraised value. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Field review provided, please clear finding. - Seller-12/16/2025 <br>Open-Loan missing Desk Review as required per Guidelines. The field review provided had no value reporting, no CU or Desk review to support the Value. - Due Diligence Vendor-12/15/2025 | Ready for Review-Field review provided, please clear finding. - Seller-12/16/2025<br>| Resolved-Upon further review, the field review supports the appraised value. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780<br>Months Reserves exceed minimum required - 39.25 months reserves exceed required 3 by 36.25 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6616761 |
| 888035 | XXXX | XXXX | XXXX D A | Closed | FCRE1440 | 2025-12-14 21:41 | 2025-12-16 10:30 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, both the current primary and previous primary report on credit. - Due Diligence Vendor-12/16/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing rating for the borrower's primary residence. Mortgage/rental history must reflect no more than <br> 1x30 on the borrower's primary residence. - Due Diligence Vendor-12/15/2025 |  | Resolved-After further review, both the current primary and previous primary report on credit. - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780<br>Months Reserves exceed minimum required - 39.25 months reserves exceed required 3 by 36.25 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6617222 |
| 889316 | XXXX | XXXX | XXXX C A | Closed | FCRE1440 | 2025-12-12 14:29 | 2025-12-23 17:04 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Rent free letter received. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. see attached, pg 3 - Seller-12/18/2025 <br> Counter-Received Property profile, Deed, and 12 months proof of payment for XXXX. Missing LOE confirming B2 lives rent free at XXXX - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. ---attached is 12 mos VOM for XXXX and sign/dated LOE confirming B2 lives rent free at XXXX - Seller-12/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide 12 months mortgage history for XXXX primary residence located at XXXX and 12 months rental rating for XXXX's primary residence at XXXX. Additional conditions may apply. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. see attached, pg 3 - Seller-12/18/2025 <br> Ready for Review-Document Uploaded. ---attached is 12 mos VOM for XXXX XXXX and sign/dated LOE confirming B2 lives rent free at XXXX - Seller-12/15/2025 | Resolved-Rent free letter received. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 782; minimum FICO 740 required Required is 680 Borrower has 782<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6607159 |
| 889316 | XXXX | XXXX | XXXX C A | Closed | FCRE1254 | 2025-12-12 14:01 | 2025-12-23 09:02 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received the annual tax bill for the subject property. Title stated the property is located in an XXXX, title does no reflect a lien. Annual tax bill supports there is not a PACE lien on this property. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Please escalate to mgmt. and get the condition waived. We do not need to prove lien priority when the borrower does not have a PACE lien reflecting on their tax bill - Seller-12/18/2025 <br> Counter-Received Tax Bill. Tax bill reflect the noted assessments from title. Provide documentation to verify that the PACE loan program does not provide for lien priority over first mortgage liens. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please waive, subject property does not currently have a PACE loan- - Seller-12/15/2025 <br> Open-Property Title Issue The title report reflects that the subject property is located within the boundaries of the XXXX in accordance with Section 5898.22 of Chapter 29 of Part 3 of Division 7 of the XXXX Streets and Highways Code, as shown on a map recorded. Provide documentation to verify that the PACE loan program does not provide for lien priority over first mortgage liens. - Due Diligence Vendor-12/12/2025 | Ready for Review-Please escalate to mgmt. and get the condition waived. We do not need to prove lien priority when the borrower does not have a PACE lien reflecting on their tax bill - Seller-12/18/2025 <br>Ready for Review-Document Uploaded. Please waive, subject property does not currently have a PACE loan- - Seller-12/15/2025<br>| Resolved-Received the annual tax bill for the subject property. Title stated the property is located in an XXXX, title does no reflect a lien. Annual tax bill supports there is not a PACE lien on this property. - Due Diligence Vendor-12/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 782; minimum FICO 740 required Required is 680 Borrower has 782<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6606550 |
| 889317 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 889322 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 891271 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 891281 | XXXX | XXXX | XXXX C A | Closed | FCRE1437 | 2025-12-15 09:06 | 2025-12-19 12:01 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received proof of deposit. - Due Diligence Vendor-12/19/2025 <br>Ready for Review-please see attached - Seller-12/18/2025 <br>Counter-Lease agreement provided, however the bank statement provided does not reflect the receipt of 1st months rent. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. Lease agreement & 1st months rent attached - Seller-12/16/2025 <br>Open-Income and Employment Do Not Meet Guidelines If using a higher actual lease amount, evidence of 1-month of receipt or security deposit is required; not found in file. - Due Diligence Vendor-12/15/2025 | Ready for Review-please see attached - Seller-12/18/2025 <br>Ready for Review-Document Uploaded. Lease agreement & 1st months rent attached - Seller-12/16/2025<br>| Resolved-Received proof of deposit. - Due Diligence Vendor-12/19/2025<br>| DSCR % greater than 1.20 - Required is 0 Borrower has 1.239<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.239 Required is 0 Borrower has 1.239<br>Months Reserves exceed minimum required - 17 Months Reserves exceed 3 month minimum required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6621331 |
| 893053 | XXXX | XXXX | XXXX D A | Closed | FCRE1241 | 2025-12-16 11:36 | 2025-12-18 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received complete purchase contract. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. please see attached, - Seller-12/17/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. please see attached, - Seller-12/17/2025<br>| Resolved-Received complete purchase contract. - Due Diligence Vendor-12/18/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 659 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6644582 |
| 893054 | XXXX | XXXX | XXXX D A | Closed | FCOM1352 | 2025-12-16 13:54 | 2025-12-18 12:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. See copy of Business Purpose disclosure. This was already included with credit file. - Seller-12/17/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing business purpose - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. See copy of Business Purpose disclosure. This was already included with credit file. - Seller-12/17/2025<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-12/18/2025<br>| Months Reserves exceed minimum required - 0 reserves needed . 4.16 months reserves verified.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 753 Required is 700 Borrower has 753 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6647867 |
| 893057 | XXXX | XXXX | XXXX D A | Closed | FCRE1440 | 2025-12-16 09:29 | 2025-12-19 10:18 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the guides state less then a 12 month housing history is allowed for DTI's below 45% and LTV's below 80%. - Due Diligence Vendor-12/19/2025 <br> Counter-Received rebuttal property sold. Provide correct 1003 and acceptable documentation property sold. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. please waive, this borrower sold that property XXXX - Seller-12/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide a VOM for the property located at XXXX. Per the guidelines section 1.5.5, Housing payment history is required for all Real Estate Owned (REO) evidencing the payment activity for the most recent 12-months. The VOM in the file reflects 9 months mortgage history. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. please waive, this borrower sold that property XXXX - Seller-12/16/2025 | Resolved-After further review, the guides state less then a 12 month housing history is allowed for DTI's below 45% and LTV's below 80%. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.96<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 707 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6640640 |
| 893057 | XXXX | XXXX | XXXX D A | Closed | FCRE1325 | 2025-12-16 09:05 | 2025-12-18 13:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review, the loan file contained all required tax preparer documentation. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. please waive, CPA letter in file meets guidelines. - Seller-12/16/2025 <br>Open-Borrower 1 CPA Letter Missing Provide an updated CPA letter. Per the matrix. the CPA/EA/CTEC/Tax Attorney must attest they have completed or filed the borrower's most recent business tax return. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. please waive, CPA letter in file meets guidelines. - Seller-12/16/2025<br>| Resolved-Upon further review, the loan file contained all required tax preparer documentation. - Due Diligence Vendor-12/18/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.96<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 707 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6640118 |
| 896108 | XXXX | XXXX | XXXX C B A | Closed | FCRE3599 | 2025-12-18 13:01 | 2025-12-22 10:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator provided a waiver for Borrowers have more than 4 loans , applied to non material finding with comp factors - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. Approval uploaded - Seller-12/19/2025 <br>Open-Per 1008 borrower has >4 financed properties with lender, missing lender exception. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. Approval uploaded - Seller-12/19/2025<br>| Waived-Originator provided a waiver for Borrowers have more than 4 loans , applied to non material finding with comp factors - Due Diligence Vendor-12/22/2025<br>| Months Reserves exceed minimum required - 4 months reserves and none required.<br>DSCR % greater than 1.20 - 1.445 Rule False | Approved subject to a -0.25 LLPA<br> Experienced Investor <br> 731 FICO | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 6687851 |
| 896110 | XXXX | XXXX | XXXX C A | Closed | FCRE1148 | 2025-12-18 22:52 | 2025-12-23 14:08 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. HELLO I UPLOAD THIS ON 12/15, BUT UPLOADED AGAIN PLEASE CLEAR. - Seller-12/20/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title insurance doesn't cover the loan amount - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. HELLO I UPLOAD THIS ON XXXX, BUT UPLOADED AGAIN PLEASE CLEAR. - Seller-12/20/2025 | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/23/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 46.58<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 664 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6698812 |
| 896111 | XXXX | XXXX | XXXX D B A C | Closed | finding-3635 | 2025-12-18 07:51 | 2026-01-07 10:07 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. XXXX-check label tracking with borrower requesting to mail to mothers home traveling - Seller-01/06/2026 <br> Counter-----Need copy of Cancelled check or letter from borrower that they received the check. Finding Remains. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-We sent by regular mail, did not have XXXX label to provide - Seller-12/26/2025 <br> Counter-----Received PPCD, Check and LOE, did not receive proof it was sent out. Please provide a copy of shipping label. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. uploaded pccd.LOE,Check copy PD - Seller-12/22/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($129.00) exceed the comparable charges ($86.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by $43 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 $34.40, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. XXXX-check label tracking with borrower requesting to mail to mothers home traveling - Seller-01/06/2026 <br> Ready for Review-We sent by regular mail, did not have XXXX label to provide - Seller-12/26/2025 <br> Ready for Review-Document Uploaded. uploaded pccd.LOE,Check copy PD - Seller-12/22/2025 | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-01/07/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.47<br>Months Reserves exceed minimum required - 12 required borrs have over 20<br>Credit history exceeds minimum required - >14 years credit depth |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6680391 |
| 896111 | XXXX | XXXX | XXXX D B A C | Closed | finding-3634 | 2025-12-18 07:51 | 2026-01-07 10:06 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. XXXX-check label tracking with borrower requesting to mail to mothers home traveling - Seller-01/06/2026 <br> Counter-----Need copy of Cancelled check or letter from borrower that they received the check. Finding Remains. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-We sent by regular mail, did not have XXXX label to provide please clear thank you :) - Seller-12/26/2025 <br> Counter-----Received PPCD, Check and LOE, did not receive proof it was sent out. Please provide a copy of shipping label. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. uploaded pccd.LOE,Check copy PD - Seller-12/22/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $200.00 (Credit Report 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 $200.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. XXXX-check label tracking with borrower requesting to mail to mothers home traveling - Seller-01/06/2026 <br> Ready for Review-We sent by regular mail, did not have XXXX label to provide please clear thank you :) - Seller-12/26/2025 <br> Ready for Review-Document Uploaded. uploaded pccd.LOE,Check copy PD - Seller-12/22/2025 | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-01/07/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.47<br>Months Reserves exceed minimum required - 12 required borrs have over 20<br>Credit history exceeds minimum required - >14 years credit depth |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6680388 |
| 896111 | XXXX | XXXX | XXXX D B A C | Closed | FCRE1506 | 2025-12-19 14:24 | 2025-12-31 12:53 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received proof of rent free and ledger. - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. Hi<br>I have attached the rent free letter for borrower 2. The vor is in file. It came from the management company.<br> - Seller-12/30/2025 <br>Counter-Nothing pertaining to the housing history finding has been uploaded. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing rent free letter for B2 for past 5 months and VOR for prior residence to complete 12 months. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Hi<br>I have attached the rent free letter for borrower 2. The vor is in file. It came from the management company.<br> - Seller-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-Received proof of rent free and ledger. - Due Diligence Vendor-12/31/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.47<br>Months Reserves exceed minimum required - 12 required borrs have over 20<br>Credit history exceeds minimum required - >14 years credit depth |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6711596 |
| 896111 | XXXX | XXXX | XXXX D B A C | Closed | FCRE1440 | 2025-12-19 12:43 | 2025-12-31 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received proof of rent free and ledger. - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. Hi<br>I have attached the rent free letter for borrower 2. The vor is in file. It came from the management company.<br> - Seller-12/30/2025 <br>Counter-Nothing pertaining to this finding has been uploaded. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-We sent by regular mail, did not have XXXX label to provide - Seller-12/26/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter for B2 for past 5 months and VOR for prior residence to complete 12 months. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Hi<br>I have attached the rent free letter for borrower 2. The vor is in file. It came from the management company.<br> - Seller-12/30/2025 <br> Ready for Review-We sent by regular mail, did not have XXXX label to provide - Seller-12/26/2025 | Resolved-Received proof of rent free and ledger. - Due Diligence Vendor-12/31/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.47<br>Months Reserves exceed minimum required - 12 required borrs have over 20<br>Credit history exceeds minimum required - >14 years credit depth |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6708080 |
| 896111 | XXXX | XXXX | XXXX D B A C | Closed | FCRE1316 | 2025-12-19 12:05 | 2025-12-23 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE for B1 - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. VVOE form- XXXX attached please clear thank u - Seller-12/20/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing closing VVOE - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. VVOE form- XXXX attached please clear thank u - Seller-12/20/2025 | Resolved-Received pre close VVOE for B1 - Due Diligence Vendor-12/23/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.47<br>Months Reserves exceed minimum required - 12 required borrs have over 20<br>Credit history exceeds minimum required - >14 years credit depth |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6707148 |
| 896111 | XXXX | XXXX | XXXX D B A C | Closed | FCRE1157 | 2025-12-19 10:26 | 2025-12-23 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. please see attached for insurance thank u :) - Seller-12/20/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. please see attached for insurance thank u :) - Seller-12/20/2025<br>| Resolved-Received HOI policy - Due Diligence Vendor-12/23/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.47<br>Months Reserves exceed minimum required - 12 required borrs have over 20<br>Credit history exceeds minimum required - >14 years credit depth |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6704495 |
| 896113 | XXXX | XXXX | XXXX C A | Closed | FCOM1223 | 2025-12-17 13:47 | 2026-01-02 11:30 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Not Executed | Resolved-Received fully executed security instrument. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. please see attached recorded Deed with signature page - Seller-12/30/2025 <br>Open-The Deed of Trust is Not Executed Missing signature page - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. please see attached recorded Deed with signature page - Seller-12/30/2025<br>| Resolved-Received fully executed security instrument. - Due Diligence Vendor-01/02/2026<br>| Months Reserves exceed minimum required - 0 reserves required. Borrower has 33.9 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 774 Required is 700 Borrower has 774 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6666833 |
| 896114 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 896117 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 896119 | XXXX | XXXX | XXXX D A | Closed | FCRE6618 | 2026-03-25 09:11 | 2026-03-25 09:12 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received final 1003. - Due Diligence Vendor-03/25/2026 <br>Open-The Final 1003 is Missing Provide the Final 1003 for both borrowers.<br> - Due Diligence Vendor-03/25/2026 |  | Resolved-Received final 1003. - Due Diligence Vendor-03/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 724<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 8309779 |
| 896119 | XXXX | XXXX | XXXX D A | Closed | FCRE1325 | 2025-12-19 12:48 | 2025-12-23 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received revised CPA letter. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. uploaded CPA letter - Seller-12/20/2025 <br>Open-Borrower 1 CPA Letter Missing Provide an updated CPA letter. The CPA/EA/CTEC/Tax Attorney must attest they have completed or filed the borrower's most recent business tax return - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. uploaded CPA letter - Seller-12/20/2025<br>| Resolved-Received revised CPA letter. - Due Diligence Vendor-12/23/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 724<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6708287 |
| 898350 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 898354 | XXXX | XXXX | XXXX D A | Closed | FCRE1241 | 2025-12-22 13:38 | 2025-12-24 12:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received ratified purchase contract. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. See uploaded purchase contract - Seller-12/22/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. See uploaded purchase contract - Seller-12/22/2025<br>| Resolved-Received ratified purchase contract. - Due Diligence Vendor-12/24/2025<br>| DSCR % greater than 1.20 - DSCR of 1.307 is greater than 1.2 and minimum of 1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 726 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6742597 |
| 898357 | XXXX | XXXX | XXXX C B A | Closed | FPRO9999 | 2025-12-19 16:52 | 2025-12-24 13:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project has pending litigation | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material due to <br> litigation concerning localized damage to a unit in the project that does not impact the overall safety, structural soundness, habitability, or functional use of the project. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. GLs state litigations are acceptable provided the lawsuit does not pertain to any structural damage or affect the marketability of the project units. Per litigation letter this appears to be an isolated area in the public laundry room where the slip and fall took place (reference appraisal units do not have washer/dryer). Please waive condition this litigation does not affect our subject property. - Seller-12/23/2025 <br>Open-The condo project has pending litigation. The condo project has a current litigation for general negligence related to an alleged slip. Per letter from the attorney, the Association tendered the lawsuit to its insurance carrier for defense and indemnity.<br> The lawsuit is pending a final status, no dollar amount or evidence insurance is covering provided. Additional findings may apply. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. GLs state litigations are acceptable provided the lawsuit does not pertain to any structural damage or affect the marketability of the project units. Per litigation letter this appears to be an isolated area in the public laundry room where the slip and fall took place (reference appraisal units do not have washer/dryer). Please waive condition this litigation does not affect our subject property. - Seller-12/23/2025<br>| Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material due to <br> litigation concerning localized damage to a unit in the project that does not impact the overall safety, structural soundness, habitability, or functional use of the project. - Due Diligence Vendor-12/24/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.12 Required is 50 Borrower has 37.12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733 Required is 680 Borrower has 733 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6715494 |
| 898357 | XXXX | XXXX | XXXX C B A | Closed | FCRE0044 | 2025-12-22 08:59 | 2025-12-24 12:15 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. sign/dated LOE attached - Seller-12/23/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. sign/dated LOE attached - Seller-12/23/2025<br>| Resolved-Received credit inquiry LOE. - Due Diligence Vendor-12/24/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.12 Required is 50 Borrower has 37.12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733 Required is 680 Borrower has 733 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6731940 |
| 898359 | XXXX | XXXX | XXXX D A | Closed | FCRE1335 | 2025-12-22 09:52 | 2025-12-29 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. per our guidelines we required W2 forms or W2 transcripts. W2s were uploaded with the credit file pkg. - Seller-12/24/2025 <br>Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. per our guidelines we required W2 forms or W2 transcripts. W2s were uploaded with the credit file pkg. - Seller-12/24/2025<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 643<br>On time mortgage history exceeds guideline requirement - 0x30x99 On time mortgage history exceeds guideline requirement 1x30x12 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6733135 |
| 898359 | XXXX | XXXX | XXXX D A | Closed | FCRE0200 | 2025-12-22 10:24 | 2025-12-29 11:35 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received Credit report reflecting XXXX. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. This liability is showing on credit report as Paying as agreed- credit report reuploaded and see page 4. you can also find the payment in the Bank Statement XXXX pg 30 uploaded with credit pkg. - Seller-12/24/2025 <br> Open-Missing payment documentation for XXXX - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. This liability is showing on credit report as Paying as agreed- credit report reuploaded and see page 4. you can also find the payment in the Bank Statement XXXX pg 30 uploaded with credit pkg. - Seller-12/24/2025 | Resolved-Received Credit report reflecting XXXX. - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 643<br>On time mortgage history exceeds guideline requirement - 0x30x99 On time mortgage history exceeds guideline requirement 1x30x12 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6733800 |
| 898361 | XXXX | XXXX | XXXX C A | Closed | FCRE1500 | 2025-12-22 10:02 | 2025-12-24 12:37 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-Received corrected 1008 and 1003 including liability - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. attached updated 1003 and 1008 to reflect thank you :) - Seller-12/22/2025 <br> Open-ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio Provide documentation to support that the XXXX payments reflected on XXXX are paid towards XXXX. The payments and XXXX reference number on XXXX bank statements do not match the XXXX account number on the credit report. Additional conditions may apply. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. attached updated 1003 and 1008 to reflect thank you :) - Seller-12/22/2025<br>| Resolved-Received corrected 1008 and 1003 including liability - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728 Required is 680 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.35 Required is 50 Borrower has 30.35<br>Months Reserves exceed minimum required - 15.13 Months Reserves exceed 12 months minimum required |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6733365 |
| 898361 | XXXX | XXXX | XXXX C A | Closed | FCRE1506 | 2025-12-22 10:02 | 2025-12-24 12:37 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. attached updated 1003 and 1008 to reflect thank you :) - Seller-12/22/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending documentation to support the omission of the account with XXXX. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. attached updated 1003 and 1008 to reflect thank you :) - Seller-12/22/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728 Required is 680 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.35 Required is 50 Borrower has 30.35<br>Months Reserves exceed minimum required - 15.13 Months Reserves exceed 12 months minimum required |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6733366 |
| 900224 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA |  |  |  |
| 900225 | XXXX | XXXX | XXXX D A | Closed | FCRE1198 | 2025-12-23 20:23 | 2026-01-13 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated assets. Audited Reserves of 12.74 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. uploaded asset documentation - Seller-12/30/2025 <br>Open-Audited Reserves of 4.47 month(s) are less than Guideline Required Reserves of 6 month(s) Borrower has insufficient reserves to meet the guideline requirement of 6 months. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. uploaded asset documentation - Seller-12/30/2025<br>| Resolved-Received updated assets. Audited Reserves of 12.74 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/02/2026<br>| DSCR % greater than 1.20 - DSCR is 1.272 > 1.20<br>Months Reserves exceed minimum required - 12 mos verified > 6 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6778638 |
| 900225 | XXXX | XXXX | XXXX D A | Closed | FCRE1204 | 2025-12-23 18:30 | 2026-01-12 11:38 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received clearance on fraud report. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. uploaded watchlist - Seller-01/09/2026 <br>Open-Fraud Report Shows Uncleared Alerts The appraiser is on the Lender's watchlist. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. uploaded watchlist - Seller-01/09/2026<br>| Resolved-Received clearance on fraud report. - Due Diligence Vendor-01/12/2026<br>| DSCR % greater than 1.20 - DSCR is 1.272 > 1.20<br>Months Reserves exceed minimum required - 12 mos verified > 6 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6776503 |
| 900225 | XXXX | XXXX | XXXX D A | Closed | FCRE0177 | 2025-12-23 16:48 | 2026-01-02 11:48 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received STR documentation. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. uploaded STR documents - Seller-12/30/2025 <br>Open-Missing Third Party Market Rent Source No 1007 or short-term rental analysis was found in the loan file for DSCR calculation. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. uploaded STR documents - Seller-12/30/2025<br>| Resolved-Received STR documentation. - Due Diligence Vendor-01/02/2026<br>| DSCR % greater than 1.20 - DSCR is 1.272 > 1.20<br>Months Reserves exceed minimum required - 12 mos verified > 6 mos required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6773134 |
| 900231 | XXXX | XXXX | XXXX C A | Closed | FCRE7748 | 2025-12-23 08:07 | 2025-12-23 13:09 | Resolved | 1 - Information C A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-AVM from XXXX provided. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Uploaded AVM - Seller-12/23/2025 <br> Open-Per the matrix, appraisal transfers are acceptable with the following: 1) Transfer letter, 2) AIR Cert, and 3) CDA or AVM. The appraisal report was transferred from XXXX. Appraisal transfer letter is in the file. Provide AIR Cert and CDA or AVM. Additional conditions may apply. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. Uploaded AVM - Seller-12/23/2025<br>| Resolved-AVM from XXXX provided. - Due Diligence Vendor-12/23/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.82 Required is 50 Borrower has 44.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Required is 680 Borrower has 703 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6757630 |
| 900232 | XXXX | XXXX | XXXX C B A | Closed | finding-3635 | 2025-12-19 13:11 | 2025-12-30 11:00 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Good Morning please clear <br> the loan has Impounds and has a FULL appraisal <br> recording fee went up by 10% of the $200 on LE , to $250.75 and we cured the difference for access 10% and it is on the final cd for $30.75 , please see final cd below <br> - Seller-12/26/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($250.75) exceed the comparable charges ($200.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by $50.75 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 $30.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Good Morning please clear <br> the loan has Impounds and has a FULL appraisal <br> recording fee went up by 10% of the $200 on LE , to $250.75 and we cured the difference for access 10% and it is on the final cd for $30.75 , please see final cd below <br> - Seller-12/26/2025<br>| Resolved-----Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.86<br>LTV is less than guideline maximum - Required is 70 Borrower has 56.98 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6709067 |
| 900232 | XXXX | XXXX | XXXX C B A | Closed | FCOM1124 | 2025-12-19 08:44 | 2025-12-19 13:32 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/19/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/19/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.86<br>LTV is less than guideline maximum - Required is 70 Borrower has 56.98 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6702399 |
| 903335 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 903342 | XXXX | XXXX | XXXX C A | Closed | FCRE6618 | 2025-12-24 16:50 | 2026-01-09 13:20 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected 1003. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. please see the 1003 - Seller-01/08/2026 <br> Counter-Page 1 of the Final 1003 loan application in the loan file states borrower is a XXXX Citizen, however the borrower is Permanent Resident Alien. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Please escalate to upper management - final 1003 has correct citizenship - Seller-01/06/2026 <br> Counter-Received Drivers License and Resident Alien Card. Initial finding is for corrected 1003 as borrower is a permanent resident alien. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. please see the attached the permanent Resident Alien card. - Seller-01/02/2026 <br> Counter-Perm resident alien card received for B1. Confirm citizenship. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Please escalate to upper management - final 1003 has correct citizenship - Seller-12/26/2025 <br> Open-Provide corrected 1003 as borrower is a permanent resident alien. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. please see the 1003 - Seller-01/08/2026 <br>Ready for Review-Please escalate to upper management - final 1003 has correct citizenship - Seller-01/06/2026 <br>Ready for Review-Document Uploaded. please see the attached the permanent Resident Alien card. - Seller-01/02/2026 <br>Ready for Review-Please escalate to upper management - final 1003 has correct citizenship - Seller-12/26/2025<br>| Resolved-Received corrected 1003. - Due Diligence Vendor-01/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.11 Required is 50 Borrower has 28.11<br>Months Reserves exceed minimum required - 13.66 Months Reserves exceed 12 months minimum required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6800030 |
| 903342 | XXXX | XXXX | XXXX C A | Closed | FCRE1440 | 2025-12-24 14:35 | 2026-01-07 14:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. please see the upl vom - Seller-01/06/2026 <br> Counter-Received DOT that does reflect borrower. Provide mortgage rating for the departing residence for the past 12 months or proof of no obligation. Additional conditions may apply. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Our borrower is XXXX, the mortgage is in the name of his spouse, XXXX. The deed attached shows that our borrower is on the deed as well. - Seller-01/02/2026 <br> Counter-Received payment history for another. Application indicates borrower owns departing residence XXXX. Provide confirmation of ownership as not obligated on mortgage. Additional conditions may apply. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide mortgage rating for the departing residence for the past 12 months. Additional conditions may apply. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. please see the upl vom - Seller-01/06/2026 <br> Ready for Review-Document Uploaded. Our borrower is XXXX, the mortgage is in the name of his spouse, XXXX. The deed attached shows that our borrower is on the deed as well. - Seller-01/02/2026 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 | Resolved-Received payment history. - Due Diligence Vendor-01/07/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.11 Required is 50 Borrower has 28.11<br>Months Reserves exceed minimum required - 13.66 Months Reserves exceed 12 months minimum required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6794517 |
| 905897 | XXXX | XXXX | XXXX C A | Closed | FCRE1254 | 2025-12-30 11:46 | 2026-01-23 13:48 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Deed reflects seller as the on the contract. - Due Diligence Vendor-01/23/2026 <br> Counter-Warranty Deed provided reflecting is owned by XXXX and XXXX and conveyed to XXXX. Seller noted on contract XXXX and XXXX, which is not disclosed on any of the Deeds provided. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Legible warranty deeds uploaded for XXXX (adjacent property to subj) & XXXX (subj property) refer to plat map for both properties. The discrepancy between the PDR & PC/title in file is a small XXXX encroachment which recorded XXXX. The correct seller is reflecting on PC/title, as you can see the name XXXX match the name on the warranty deed for XXXX - Seller-01/20/2026 <br> Counter-Received illegible Warranty Deed. Please provide a clear copy. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. We have the correct seller on the sales contract & title. An encroachment easement was recorded XXXX and as you can see on the snip provided and deed uploaded, it only pertains to XXXX feet. I've uploaded the Property Detail Report for the other property which is XXXX (neighboring property to subject see snip) - Seller-01/07/2026 <br> Counter-Property report provided lists a different LLC as the owners. Warranty in provided reflects on XXXX the subject is owned by XXXX and XXXX and sold by XXXX. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. See uploaded Property detail report, warranty deed & Encroachment.<br> - Seller-12/31/2025 <br> Open-Property Title Issue Current vested entity on title does not match the name of the individual on the sales contract nor does it match the owner on the current property detail report. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Legible warranty deeds uploaded for XXXX (adjacent property to subj) & XXXX (subj property) refer to plat map for both properties. The discrepancy between the PDR & PC/title in file is a small XXXX encroachment which recorded XXXX. The correct seller is reflecting on PC/title, as you can see the name XXXX & XXXX match the name on the warranty deed for XXXX - Seller-01/20/2026 <br> Ready for Review-Document Uploaded. We have the correct seller on the sales contract & title. An encroachment easement was recorded XXXX and as you can see on the snip provided and deed uploaded, it only pertains to XXXX. I've uploaded the Property Detail Report for the other property which is XXXXTrail (neighboring property to subject see snip) - Seller-01/07/2026 <br> Ready for Review-Document Uploaded. See uploaded Property detail report, warranty deed & Encroachment.<br> - Seller-12/31/2025 | Resolved-Deed reflects seller as the on the contract. - Due Diligence Vendor-01/23/2026<br>| DSCR % greater than 1.20 - 1.270<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6855972 |
| 905897 | XXXX | XXXX | XXXX C A | Closed | FCRE6844 | 2025-12-30 12:31 | 2026-01-21 13:17 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received proof of receipt of gift funds - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Per escrow they cannot add it to the settlement statement since the funds were wired after the final settlement signed. (see attached final statement signed XXXX, gift wired XXXX). Please clear condition the gift funds clearly came from the donor per documents uploaded. - Seller-01/20/2026 <br> Counter-Received duplicate documents. Settlement statement did not reflect funds from donor. Finding remains. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. uploaded proof $187,600 gift was wired directly into escrows account (XXXX) - Seller-01/08/2026 <br> Counter-Received title receipt of funds from borrowers LLC. Missing proof of receipt of gift funds for $187,600 from donor to the borrower. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. reuploaded proof of receipt of gift funds - Seller-12/30/2025 <br> Open-Missing proof of receipt of gift funds for $187,600 from donor to the borrower. The title company receipt shows this amount of closing funds coming directly from the borrower's LLC. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Per escrow they cannot add it to the settlement statement since the funds were wired after the final settlement signed. (see attached final statement signed XXXX, gift wired XXXX). Please clear condition the gift funds clearly came from the donor per documents uploaded. - Seller-01/20/2026 <br> Ready for Review-Document Uploaded. uploaded proof $187,600 gift was wired directly into escrows account (XXXX) - Seller-01/08/2026 <br> Ready for Review-Document Uploaded. reuploaded proof of receipt of gift funds - Seller-12/30/2025 | Resolved-Received proof of receipt of gift funds - Due Diligence Vendor-01/21/2026<br>| DSCR % greater than 1.20 - 1.270<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6856858 |
| 905899 | XXXX | XXXX | XXXX C B A | Closed | FCRE1506 | 2025-12-31 06:36 | 2026-03-25 12:07 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received client provided waiver, post closing request for DTI exceeding 50%, applied to non material finding with comp factors- Applied to alternate finding. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. See uploaded - PC Exception - Seller-01/28/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. The borrowers' DTI exceeds 50%. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. See uploaded - PC Exception - Seller-01/28/2026<br>| Resolved-Received client provided waiver, post closing request for DTI exceeding 50%, applied to non material finding with comp factors- Applied to alternate finding. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 645 Required is 620 Borrower has 645<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.67 Required is 70 Borrower has 63.67 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6867748 |
| 905899 | XXXX | XXXX | XXXX C B A | Closed | FCRE1193 | 2025-12-31 06:50 | 2026-01-30 13:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client provided a waiver post closing request for DTI exceeding 50%, applied to non material finding with comp factors - Due Diligence Vendor-01/30/2026 <br> Ready for Review-See uploaded - PC Exception - Seller-01/28/2026 <br> Open-Audited DTI of 51.69% exceeds Guideline DTI of 50% The gap report reflects two additional student loans with XXXX with a combined outstanding balance of $41,545. Adding a qualifying payment of $415.45, calculated at 1% of the outstanding balance, increases the DTI to 51.98%, which exceeds the maximum allowable DTI of 50%. - Due Diligence Vendor-12/31/2025 | Ready for Review-See uploaded - PC Exception - Seller-01/28/2026<br>| Waived-Client provided a waiver post closing request for DTI exceeding 50%, applied to non material finding with comp factors - Due Diligence Vendor-01/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 645 Required is 620 Borrower has 645<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.67 Required is 70 Borrower has 63.67 | Long term homeowner <br> residual income >3k |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6867909 |
| 905899 | XXXX | XXXX | XXXX C B A | Closed | FCRE1317 | 2025-12-30 15:53 | 2026-01-12 11:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received previous employment VOE. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. UPLOADED - VOM FROM PREVIOUD EMPL - Seller-01/08/2026 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Provide a VOE for XXXX previous employment. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. UPLOADED - VOM FROM PREVIOUD EMPL - Seller-01/08/2026<br>| Resolved-Received previous employment VOE. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 645 Required is 620 Borrower has 645<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.67 Required is 70 Borrower has 63.67 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6860435 |
| 905899 | XXXX | XXXX | XXXX C B A | Closed | FCRE1254 | 2025-12-30 15:09 | 2026-01-12 11:33 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Notice of Non-adversarial Prelitigation Procedures - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Uploaded Notice of Non-adversarial Prelitigation Procedures XXXX. - Seller-01/08/2026 <br> Open-Property Title Issue Provide a copy of the document entitled: Notice of Nonadversarial Prelitigation Procedures XXXX as referenced on the Preliminary Report, item # 8. Additional conditions may apply. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. Uploaded Notice of Non-adversarial Prelitigation Procedures XXXX. - Seller-01/08/2026 | Resolved-Received Notice of Non-adversarial Prelitigation Procedures - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 645 Required is 620 Borrower has 645<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.67 Required is 70 Borrower has 63.67 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6859673 |
| 911761 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 911763 | XXXX | XXXX | XXXX C A | Closed | finding-3540 | 2025-12-29 14:19 | 2026-01-06 09:04 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-----Received proof of borrower's receipt of initial CD. Finding Resolved. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Please see disclosure tracking history for CD issued on XXXX & XXXX - Seller-01/03/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ------Provide borrower's acknowledgment of CDs issued XXXX and XXXX. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. Please see disclosure tracking history for CD issued on XXXX & XXXX - Seller-01/03/2026 | Resolved-----Received proof of borrower's receipt of initial CD. Finding Resolved. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 707 Required is 680 Borrower has 707<br>On time mortgage history exceeds guideline requirement - 0x30x92 On time mortgage history exceeds guideline requirement 1x30x12 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6838561 |
| 911764 | XXXX | XXXX | XXXX C A | Closed | finding-3352 | 2025-12-29 13:20 | 2025-12-31 14:03 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-After further review, the loan meets the HPML requirements. The property is not a flip, there is a full appraisal and the loan is escrowed. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-File has full appraisal & impounds, please clear. - Seller-12/31/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. -----Statute of limitations – One year; Expiration date: XXXX. - Due Diligence Vendor-12/29/2025 | Ready for Review-File has full appraisal & impounds, please clear. - Seller-12/31/2025<br>| Resolved-After further review, the loan meets the HPML requirements. The property is not a flip, there is a full appraisal and the loan is escrowed. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 723<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.14 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6837394 |
| 911767 | XXXX | XXXX | XXXX D B A | Closed | FCRE1115 | 2025-12-24 16:04 | 2026-01-27 14:21 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Corrected DOT provided. - Due Diligence Vendor-01/27/2026 <br> Counter-Received correction page 1 of Deed of Trust. Missing complete corrected document. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. See uploaded - Executed Deed of Trust re-notarized - Seller-01/23/2026 <br> Open-Security Instrument Date is greater than the transaction date of XXXX Notary date of XXXX is prior to the closing date of XXXX. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. See uploaded - Executed Deed of Trust re-notarized - Seller-01/23/2026<br>| Resolved-Corrected DOT provided. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778 Required is 700 Borrower has 778<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.38 Required is 50 Borrower has 36.38<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 Required is 85 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6799038 |
| 911767 | XXXX | XXXX | XXXX D B A | Closed | FCRE1248 | 2026-01-02 15:35 | 2026-01-07 14:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Originator provided a waiver for non-arms length transaction, applied to non material finding with comp factors - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. See uploaded PC Exception for Non-Arms Length Transaction - Seller-01/06/2026 <br>Open-Non-Arm's Length Transactions Not Allowed for Program Seller is business partner to Borrower/Buyer - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. See uploaded PC Exception for Non-Arms Length Transaction - Seller-01/06/2026<br>| Waived-Originator provided a waiver for non-arms length transaction, applied to non material finding with comp factors - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778 Required is 700 Borrower has 778<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.38 Required is 50 Borrower has 36.38<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 Required is 85 Borrower has 75 | DTI: <43%<br> Reserves: >12 months verified above requirement<br> FICO>10 points above requirement | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6901457 |
| 911767 | XXXX | XXXX | XXXX D B A | Closed | FCOM1352 | 2026-01-02 14:52 | 2026-01-06 10:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received occupancy affidavit. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. See uploaded Affidavit of Occupancy checked marked 'Investment Property'. This was included with credit file and should be sufficient. Please review and advise.. - Seller-01/03/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. See uploaded Affidavit of Occupancy checked marked 'Investment Property'. This was included with credit file and should be sufficient. Please review and advise.. - Seller-01/03/2026<br>| Resolved-Received occupancy affidavit. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 778 Required is 700 Borrower has 778<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.38 Required is 50 Borrower has 36.38<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 Required is 85 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6900783 |
| 911771 | XXXX | XXXX | XXXX D B A C | Closed | FCRE4104 | 2026-01-02 08:47 | 2026-01-12 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received Oct statement confirming CD transferred. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. uploaded bank statements referencing CD account - Seller-01/09/2026 <br> Counter-No document provided. Unable to locate document referencing source of CD nor deposits. Please provide proof referenced. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-GL referenced in suspense pertains to any single deposit. The $151,973.05 is not a single deposit, in file is the XXXX bank statements showing these are seasoned funds attached to a CD. - Seller-01/06/2026 <br> Counter-Assets must meet guideline 1.6.1. Document source of deposit of $151,973.05 to XXXX. Additional conditions may apply. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-please clear as there was no large deposits in the accounts that were used in cash to close, that exceeded 100% of qualifying income. <br> - Seller-01/02/2026 <br> Open-Missing documentation to source the $151,973.05 to XXXX. Additional conditions may apply. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. uploaded bank statements referencing CD account - Seller-01/09/2026 <br> Ready for Review-GL referenced in suspense pertains to any single deposit. The $151,973.05 is not a single deposit, in file is the XXXX-XXXX bank statements showing these are seasoned funds attached to a CD. - Seller-01/06/2026 <br> Ready for Review-please clear as there was no large deposits in the accounts that were used in cash to close, that exceeded 100% of qualifying income. <br> - Seller-01/02/2026 | Resolved-Received Oct statement confirming CD transferred. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>Months Reserves exceed minimum required - Borrowers have 14 months reserves. Guidelines require 3 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6891653 |
| 911771 | XXXX | XXXX | XXXX D B A C | Closed | FCRE1507 | 2026-01-02 10:48 | 2026-01-09 12:43 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Received Seller Cd. - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. see attached - Seller-01/07/2026 <br>Counter-Missing Seller CD Original package reflects estimated seller CD only. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-seller CD was uploaded with original pkg and it has been cleared in the previous request- - Seller-01/02/2026 <br>Open-The Originator QM Status is not the same as the Final QM Status. Missing Seller CD - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. see attached - Seller-01/07/2026 <br>Ready for Review-seller CD was uploaded with original pkg and it has been cleared in the previous request- - Seller-01/02/2026<br>| Resolved-Received Seller Cd. - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>Months Reserves exceed minimum required - Borrowers have 14 months reserves. Guidelines require 3 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6893902 |
| 911771 | XXXX | XXXX | XXXX D B A C | Closed | FCRE5783 | 2026-01-02 08:36 | 2026-01-08 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Undisclosed Debt Verification Report. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. please see attached - Seller-01/06/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. please see attached - Seller-01/06/2026<br>| Resolved-Received Undisclosed Debt Verification Report. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>Months Reserves exceed minimum required - Borrowers have 14 months reserves. Guidelines require 3 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6891462 |
| 911771 | XXXX | XXXX | XXXX D B A C | Closed | FCOM1302 | 2025-12-29 13:30 | 2026-01-06 13:00 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '7'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/29/2025 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '7'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>Months Reserves exceed minimum required - Borrowers have 14 months reserves. Guidelines require 3 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6837597 |
| 911771 | XXXX | XXXX | XXXX D B A C | Closed | FCRE1506 | 2026-01-02 09:01 | 2026-01-06 11:34 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-initial LE was provided as explained in the last condition, we were close the XXXX due to the holiday and are actual 3rd day was XXXX. please clear condition - Seller-01/05/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing initial LE dated within 3 days of Application date. - Due Diligence Vendor-01/02/2026 | Ready for Review-initial LE was provided as explained in the last condition, we were close the XXXX due to the holiday and are actual 3rd day was XXXX. please clear condition - Seller-01/05/2026 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>Months Reserves exceed minimum required - Borrowers have 14 months reserves. Guidelines require 3 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6891884 |
| 911771 | XXXX | XXXX | XXXX D B A C | Closed | FCOM4656 | 2025-12-29 14:07 | 2026-01-05 08:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application. | Resolved----Notification received that Lender was closed for holiday. Finding Resolved. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-please clear condition as we were not open XXXX so the 3rd business day for us was XXXX. - Seller-01/02/2026 <br> Counter-Received correspondence from client that initial LE is in file. The application date is XXXX. The earliest LE in file is dated XXXX which is more than 3 business days from app date. Finding remains. - Due Diligence Vendor-01/02/2026 <br> Open-Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX.<br> - Due Diligence Vendor-12/29/2025 | Ready for Review-please clear condition as we were not open XXXX so the 3rd business day for us was XXXX. - Seller-01/02/2026 | Resolved----Notification received that Lender was closed for holiday. Finding Resolved. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>Months Reserves exceed minimum required - Borrowers have 14 months reserves. Guidelines require 3 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6838355 |
| 911771 | XXXX | XXXX | XXXX D B A C | Closed | FCOM1978 | 2025-12-29 14:05 | 2026-01-05 08:24 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-----Received Intent to proceed signed by borrower. Finding Resolved. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. please note when there is a signed econsent in the file, we only send the unsigned Initial Disclosures-please see the signed ones attached - Seller-01/02/2026 <br>Open-There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file.<br> - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. please note when there is a signed econsent in the file, we only send the unsigned Initial Disclosures-please see the signed ones attached - Seller-01/02/2026<br>| Resolved-----Received Intent to proceed signed by borrower. Finding Resolved. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>Months Reserves exceed minimum required - Borrowers have 14 months reserves. Guidelines require 3 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6838334 |
| 911771 | XXXX | XXXX | XXXX D B A C | Closed | FCRE1325 | 2026-01-02 08:25 | 2026-01-02 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-After further review, the CPA letter is in the loan file. - Due Diligence Vendor-01/02/2026 <br>Open-Borrower 1 CPA Letter Missing Missing a CPA letter attesting that they have completed or filed the borrower's most recent business tax return - Due Diligence Vendor-01/02/2026 |  | Resolved-After further review, the CPA letter is in the loan file. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>Months Reserves exceed minimum required - Borrowers have 14 months reserves. Guidelines require 3 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6890880 |
| 911771 | XXXX | XXXX | XXXX D B A C | Closed | FCRE3091 | 2026-01-02 08:09 | 2026-01-02 12:39 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Master Policy Expiration Date of XXXX is Equal to or After the Transaction Date of XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-01/02/2026 <br> Open-Master Policy Expiration Date of XXXX is Prior To the Transaction Date of XXXX Missing a copy of the current master insurance policy. The master insurance policy in the file is expired. Additional conditions may apply. - Due Diligence Vendor-01/02/2026 |  | Resolved-Master Policy Expiration Date of XXXX is Equal to or After the Transaction Date of XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-01/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>Months Reserves exceed minimum required - Borrowers have 14 months reserves. Guidelines require 3 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6890646 |
| 911771 | XXXX | XXXX | XXXX D B A C | Closed | FCRE0197 | 2026-01-02 08:56 | 2026-01-02 12:37 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Seller CD provided. - Due Diligence Vendor-01/02/2026 <br>Open-The Final SELLER CD/HUD is missing. Missing a copy of the Final Seller CD/HUD. Additional conditions may apply. - Due Diligence Vendor-01/02/2026 |  | Resolved-Seller CD provided. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>Months Reserves exceed minimum required - Borrowers have 14 months reserves. Guidelines require 3 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6891771 |
| 911771 | XXXX | XXXX | XXXX D B A C | Closed | FCOM1125 | 2025-12-29 13:18 | 2025-12-30 10:00 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived-Borrower 2 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/29/2025 |  | Waived-Borrower 2 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>Months Reserves exceed minimum required - Borrowers have 14 months reserves. Guidelines require 3 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6837379 |
| 911771 | XXXX | XXXX | XXXX D B A C | Closed | FCOM1124 | 2025-12-29 13:18 | 2025-12-30 09:59 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/29/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710<br>Months Reserves exceed minimum required - Borrowers have 14 months reserves. Guidelines require 3 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6837378 |
| 911776 | XXXX | XXXX | XXXX C A | Closed | finding-47 | 2025-12-29 13:49 | 2026-01-07 11:22 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. please see the upl pccd - Seller-01/06/2026 <br> Ready for Review-Document Uploaded. Please see the upl NORTC - Seller-01/02/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----The midnight of/cancel date of XXXX on the notice of right to cancel does not provide the borrower a full three days of rescission since consummation was on XXXX. Re-open rescission and provide all borrowers and non-borrowing title holders a full three days of rescission. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. please see the upl pccd - Seller-01/06/2026 <br>Ready for Review-Document Uploaded. Please see the upl NORTC - Seller-01/02/2026<br>| Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-01/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 716<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.21 |  | 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 | 6838027 |
| 914651 | XXXX | XXXX | XXXX B A | Closed | FCOM1302 | 2026-01-02 11:31 | 2026-01-02 11:31 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '6'). ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/02/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '6'). ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/02/2026<br>| Months Reserves exceed minimum required - 0 months reserves required - borrower has 98.25 months reserves<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.23 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6895909 |
| 914652 | XXXX | XXXX | XXXX C B A | Closed | finding-3638 | 2026-01-02 13:02 | 2026-03-25 11:16 | Resolved | 1 - Information A | Compliance | TRID | Reimbursement Amount Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/25/2026 <br>Open-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $264.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $30,703.44.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. -----Addressed in Other Finding - Due Diligence Vendor-03/25/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777<br>Months Reserves exceed minimum required - 3 months reserves required - borrower has 9.39 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6898728 |
| 914652 | XXXX | XXXX | XXXX C B A | Closed | FCRE1292 | 2026-01-05 15:33 | 2026-01-07 15:07 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Received Articles of Inc and proof of good standing. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Uploaded AOC and proof XXXX is in good standing. - Seller-01/07/2026 <br> Open-Income 1 Months Income Verified is Missing Missing Articles of Certification of Organization and Confirmation of Good Standing - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. Uploaded AOC and proof XXXX is in good standing. - Seller-01/07/2026 | Resolved-Received Articles of Inc and proof of good standing. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777<br>Months Reserves exceed minimum required - 3 months reserves required - borrower has 9.39 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6921255 |
| 914652 | XXXX | XXXX | XXXX C B A | Closed | finding-3838 | 2026-01-02 13:02 | 2026-01-07 11:02 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. reuploaded SSPL - Seller-01/06/2026 <br>Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). -----Please provide Written List of Service Providers Disclosure provided to borrower within three business days of application date.<br> - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. reuploaded SSPL - Seller-01/06/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777<br>Months Reserves exceed minimum required - 3 months reserves required - borrower has 9.39 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6898731 |
| 914652 | XXXX | XXXX | XXXX C B A | Closed | finding-3367 | 2026-01-02 13:02 | 2026-01-07 11:02 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. uploaded homeownership counseling disclosure - Seller-01/06/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data 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.This 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 homeownership counseling organizations 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:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. statute of Limitations - 1 year, expiration date XXXX.<br> - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. uploaded homeownership counseling disclosure - Seller-01/06/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777<br>Months Reserves exceed minimum required - 3 months reserves required - borrower has 9.39 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6898726 |
| 914652 | XXXX | XXXX | XXXX C B A | Closed | finding-3634 | 2026-01-02 13:02 | 2026-01-07 11:02 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. all COC's were already provided, reuploaded - Seller-01/06/2026 <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 $28,064.44.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 $28,064.44 (Points - Loan Discount Fee, Mortgage Broker Fee, Underwriting Fee, Appraisal Fee, Appraisal Re-Inspection Fee , Credit Report Fee, Transfer Taxes) 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 $28,064.44 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year; Expiration Date: XXXX.<br> - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. all COC's were already provided, reuploaded - Seller-01/06/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777<br>Months Reserves exceed minimum required - 3 months reserves required - borrower has 9.39 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6898727 |
| 914652 | XXXX | XXXX | XXXX C B A | Closed | finding-3635 | 2026-01-02 13:02 | 2026-01-07 11:02 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-all COC's were already provided, reuploaded - Seller-01/06/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,639.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Points - Loan Discount Fee, Mortgage Broker Fee, Underwriting Fee, Appraisal Fee, Appraisal Re-Inspection Fee , Credit Report Fee, Transfer Taxes) increased by $2,639.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2,639.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year; Expiration Date: XXXX.<br> - Due Diligence Vendor-01/02/2026 | Ready for Review-all COC's were already provided, reuploaded - Seller-01/06/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777<br>Months Reserves exceed minimum required - 3 months reserves required - borrower has 9.39 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6898729 |
| 914652 | XXXX | XXXX | XXXX C B A | Closed | finding-3515 | 2026-01-02 13:02 | 2026-01-07 11:02 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. re uploaded initial LE - Seller-01/06/2026 <br> Open-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))The 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.Therefore, 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 $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(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:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ----Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX .<br> - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. re uploaded initial LE - Seller-01/06/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777<br>Months Reserves exceed minimum required - 3 months reserves required - borrower has 9.39 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6898730 |
| 914652 | XXXX | XXXX | XXXX C B A | Closed | FCOM1302 | 2026-01-02 11:48 | 2026-01-02 13:15 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 777<br>Months Reserves exceed minimum required - 3 months reserves required - borrower has 9.39 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6896400 |
| 914654 | XXXX | XXXX | XXXX C A | Closed | finding-3532 | 2025-12-31 14:37 | 2026-01-07 11:10 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. hello please see attached for final ss and final ppcd thank u :) - Seller-01/06/2026 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -------No change in APR benefit to borrower. PCCD provided. Finding Rescinded. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. hello please see attached for final ss and final ppcd thank u :) - Seller-01/06/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 85 Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 702 Required is 680 Borrower has 702 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6879922 |
| 914657 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| 917288 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 919205 | XXXX | XXXX | XXXX D A | Closed | FCRE7497 | 2026-01-08 08:38 | 2026-01-28 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received property profile, LOE no insurance and corrected 1003 reflecting. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Attached is LOE from borrower confirming no HOI on F&C property. - Seller-01/27/2026 <br> Counter-Received LOE, 1008, and 1003. Finding is for property borrower disclosed. Initial finding: The file contains a letter from the borrower indicating that they own the property at XXXX, that this is a vacant land and there is no insurance on this property. However the file does not contain any documentation to verify proof free and clear and missing proof of annual taxes on this property - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Attached is amended 1003/1008 removing the debt. - Seller-01/20/2026 <br> Counter-Received property profile indicating SFR not raw land. Provide HOI policy or confirmation letter of no HOI. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Attached doc along with updated 1003 and 1008 - Seller-01/09/2026 <br> Open-The file contains a letter from the borrower indicating that they own the property at XXXX, that this is a vacant land and there is no insurance on this property. However the file does not contain any documentation to verify proof free and clear and missing proof of annual taxes on this property. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Attached is LOE from borrower confirming no HOI on F&C property. - Seller-01/27/2026 <br>Ready for Review-Document Uploaded. Attached is amended 1003/1008 removing the debt. - Seller-01/20/2026 <br>Ready for Review-Document Uploaded. Attached doc along with updated 1003 and 1008 - Seller-01/09/2026<br>| Resolved-Received property profile, LOE no insurance and corrected 1003 reflecting. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 22.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 642<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6979630 |
| 919205 | XXXX | XXXX | XXXX D A | Closed | FCRE1506 | 2026-01-08 09:28 | 2026-01-28 12:21 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received 1003. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-please escalate to mgmt. if this has not already been signed off. Copy of the EMD check (already provided to TPR) XXXX shows from being cleared from that account as well as the wire for cash to close show funds coming from account XXXX. Both docs show borrower as owner of the account. - Seller-01/27/2026 <br> Counter-Received 1003, 1008, and loe about outstanding debt. Finding is pending PITIA validation and account statement. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Attached is amended 1003/1008 removing the debt. - Seller-01/20/2026 <br> Counter-Pending PITIA validation and account statement. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. the emd check shows the account# and borrowers name which verifies this is his account - Seller-01/09/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending proof of ownership of assets-The transaction history for XXXX does not reflect the account holder's name and address. - Due Diligence Vendor-01/08/2026 | Ready for Review-please escalate to mgmt. if this has not already been signed off. Copy of the EMD check (already provided to TPR) XXXX shows from being cleared from that account as well as the wire for cash to close show funds coming from account XXXX. Both docs show borrower as owner of the account. - Seller-01/27/2026 <br> Ready for Review-Document Uploaded. Attached is amended 1003/1008 removing the debt. - Seller-01/20/2026 <br> Ready for Review-Document Uploaded. the emd check shows the account# and borrowers name which verifies this is his account - Seller-01/09/2026 | Resolved-Received 1003. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 22.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 642<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6980628 |
| 919205 | XXXX | XXXX | XXXX D A | Closed | FCRE0200 | 2026-01-08 11:02 | 2026-01-28 12:08 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received corrected 1003 and 1008 removing liabilities as not borrowers. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. 1003/1008 removing XXXX with $777.75 payment and XXXX with $452, per borrower these liabilities do not belong to them. Neither listed on credit report or UDN. Sign/dated UDN inquiry letter. - Seller-01/27/2026 <br> Counter-Received email and updated 1003 and 1008. Gap report in initial file reflect a retail bank card inquiry dated after initial and before close. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Attached is amended 1003/1008 removing the debt. - Seller-01/20/2026 <br> Counter-Provide supplement or statements supporting non verified liabilities. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-This debt is included already in liabilities section on 1003 and dti - Seller-01/09/2026 <br> Open- The 1003 additional liabilities with XXXX with $777.75 payment and XXXX with $452 payment that are not on the credit report or UDM. If valid debts they will need to be added into the DTI. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. 1003/1008 removing XXXX with $777.75 payment and XXXX with $452, per borrower these liabilities do not belong to them. Neither listed on credit report or UDN. Sign/dated UDN inquiry letter. - Seller-01/27/2026 <br> Ready for Review-Document Uploaded. Attached is amended 1003/1008 removing the debt. - Seller-01/20/2026 <br> Ready for Review-This debt is included already in liabilities section on 1003 and dti - Seller-01/09/2026 | Resolved-Received corrected 1003 and 1008 removing liabilities as not borrowers. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 22.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 642<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6984394 |
| 919205 | XXXX | XXXX | XXXX D A | Closed | FCRE1480 | 2026-01-08 09:08 | 2026-01-16 11:48 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file had sufficient evidence of account ownership - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. back copy of the EMD check (already provided to TPR) XXXX shows from being cleared from that account as well as the wire for cash to close show funds coming from account XXXX. Both docs show borrower as owner of the account. - Seller-01/15/2026 <br> Counter-Provide corresponding statement to printout confirming ownership - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - the emd check shows the account# and borrowers name which verifies this is his account - Seller-01/09/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements The transaction history for XXXX does not reflect the account holder's name and address. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. back copy of the EMD check (already provided to TPR) XXXX shows from being cleared from that account as well as the wire for cash to close show funds coming from account XXXX. Both docs show borrower as owner of the account. - Seller-01/15/2026 <br> Ready for Review-Document Uploaded. - the emd check shows the account# and borrowers name which verifies this is his account - Seller-01/09/2026 | Resolved-Upon further review, the loan file had sufficient evidence of account ownership - Due Diligence Vendor-01/16/2026<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 22.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 642<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6980072 |
| 919205 | XXXX | XXXX | XXXX D A | Closed | FCRE4104 | 2026-01-08 11:10 | 2026-01-12 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received confirmation $XXXX loan on life insurance. Reduced account with other large deposit. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/09/2026 <br> Open-Account XXXX - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-Received confirmation $XXXX loan on life insurance. Reduced account with other large deposit. - Due Diligence Vendor-01/12/2026 | Qualifying DTI below maximum allowed - Required is 45 Borrower has 22.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 642<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6984603 |
| 920874 | XXXX | XXXX | XXXX C A | Closed | FCRE1510 | 2026-01-08 09:26 | 2026-01-13 11:33 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. Uploaded corrected recorded mortgage - Seller-01/13/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary section is not dated. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Uploaded corrected recorded mortgage - Seller-01/13/2026<br>| Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-01/13/2026<br>| Long term residence - Borrower has resided at their primary residence for the past 6 years<br>DSCR % greater than 1.20 - DSCR is 2.752. Required is 0 Borrower has 2.752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6980571 |
| 920874 | XXXX | XXXX | XXXX C A | Closed | FCRE7009 | 2026-01-09 09:12 | 2026-01-13 11:31 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received replacement cost from insured. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. RCE was already provided, reuploaded - Seller-01/09/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Homeowner's Insurance Dwelling coverage in the amount of $XXXX is insufficient. Note amount is XXXX and appraisal cost new section is not completed. Please provide HOI Policy with dwelling coverage of at least $XXXX. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. RCE was already provided, reuploaded - Seller-01/09/2026<br>| Resolved-Received replacement cost from insured. - Due Diligence Vendor-01/13/2026<br>| Long term residence - Borrower has resided at their primary residence for the past 6 years<br>DSCR % greater than 1.20 - DSCR is 2.752. Required is 0 Borrower has 2.752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7003108 |
| 924281 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 926496 | XXXX | XXXX | XXXX C A | Closed | finding-3352 | 2026-01-09 07:20 | 2026-01-13 15:08 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan meets HPML requirements. - Due Diligence Vendor-01/13/2026 <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. -----Statute of limitations – One year; Expiration date: XXXX. - Due Diligence Vendor-01/09/2026 |  | Resolved-This loan meets HPML requirements. - Due Diligence Vendor-01/13/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 730 Required is 620 Borrower has 730 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7001578 |
| 929103 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| 932648 | XXXX | XXXX | XXXX D A | Closed | FCRE1345 | 2026-01-20 05:54 | 2026-03-03 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-After further review- updated lease agreement was provided- condition resolved - Due Diligence Vendor-03/03/2026 <br> Counter-Received notation to exclude rental amount for REO XXXX. Pending ratios as full PITIA will bring higher. Original finding remains. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Please waive, no rental income reflecting on final 1003 for XXXX REO. - Seller-02/19/2026 <br> Counter-Received Extension of lease for XXXX. Missing initial lease to validate lease amount. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-01/29/2026 <br> Counter-No document provided. Please reupload to finding. Lease could not be located in initial pkg. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-please clear condition as lease agreement renewal was uploaded with credit pkg. refer to pages 258-259 - Seller-01/20/2026 <br> Open-Borrower 1 Lease Agreements Missing Missing lease agreement for XXXX. - Due Diligence Vendor-01/20/2026 | Ready for Review-Please waive, no rental income reflecting on final 1003 for 6202 REO. - Seller-02/19/2026 <br>Ready for Review-Document Uploaded. see attached - Seller-01/29/2026 <br>Ready for Review-please clear condition as lease agreement renewal was uploaded with credit pkg. refer to pages 258-259 - Seller-01/20/2026<br>| Resolved-After further review- updated lease agreement was provided- condition resolved - Due Diligence Vendor-03/03/2026<br>| LTV is less than guideline maximum - Required is 75. Borrower has 70. Required is 75 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.26<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 691. Required is 660 Borrower has 691 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7174599 |
| 932648 | XXXX | XXXX | XXXX D A | Closed | FCRE1193 | 2026-01-16 16:57 | 2026-03-03 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review- lease was provided - Per the 1003 and 1008 the lender is hitting the borrower with the full PITIA payment for the REO XXXX property. Also the borrower's primary residence is Paid in full with private lender, the VOM provided at stip clearing reflects the contract was taken out XXXX and paid within 12 months which was paid off with a zero balance on XXXX, The Private VOM states this was a 12 month contract. DTI is now below the guideline max allowed- condition resolved - Due Diligence Vendor-03/03/2026 <br> Counter-Received P&L. For XXXXcation: Review income: $16,139.70 less subject net rental loss $524.14 less net rental loss of XXXX $1015.40. Review expenses: Primary residence expense: $4,986.93 and other monthly obligations $1,779. Resulting in Audited DTI of 51.46% - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Please clear, P&L was already provided. 39% DTI already includes rental income loss for REOs - Seller-02/19/2026 <br> Counter-Received P&L. The income also includes an income loss for the REOs. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. the DTI we have is 39% using monthly income from the P&L attached. can you be more specific of how you are coming up with 51.46% - Seller-02/11/2026 <br> Open-Audited DTI of 51.46% exceeds Guideline DTI of 50% The borrower's DTI exceeds the maximum DTI of 50%. - Due Diligence Vendor-01/16/2026 | Ready for Review-Please clear, P&L was already provided. 39% DTI already includes rental income loss for REOs - Seller-02/19/2026 <br>Ready for Review-Document Uploaded. the DTI we have is 39% using monthly income from the P&L attached. can you be more specific of how you are coming up with 51.46% - Seller-02/11/2026<br>| Resolved-After further review- lease was provided - Per the 1003 and 1008 the lender is hitting the borrower with the full PITIA payment for the REO XXXX property. Also the borrower's primary residence is Paid in full with private lender, the VOM provided at stip clearing reflects the contract was taken out XXXX and paid within 12 months which was paid off with a zero balance on XXXX, The Private VOM states this was a 12 month contract. DTI is now below the guideline max allowed- condition resolved - Due Diligence Vendor-03/03/2026 | LTV is less than guideline maximum - Required is 75. Borrower has 70. Required is 75 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.26<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 691. Required is 660 Borrower has 691 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7146150 |
| 932648 | XXXX | XXXX | XXXX D A | Closed | FCRE1440 | 2026-01-16 16:20 | 2026-03-03 11:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review- Private VOM provided reflects that the mortgage was a 12 month contract and was paid in full with a $0.00 balance. Loan was taken out on XXXX and paid within 1 year which would be XXXX which is 1 year and prior to note date of XXXX. Condition resolved - Due Diligence Vendor-03/03/2026 <br> Counter-Received VOM dated after Note Date, provide confirmation primary residence was paid in full prior to Note date of XXXX and provide source of funds to confirm property remains free and clear. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-.---Please waive, VOM provided is sufficient to clear the condition. GLs do not state that proof of payment is required. - Seller-02/19/2026 <br> Counter-Received VOM. Guideline 1.5.5.1.2- Mortgages not reporting on credit report-12months Verification of Mortgage form (VOM) completed by the creditor/servicer-▪ Proof of borrower's payment for the most recent 6-months is required- Missing proof of payments to meet guideline requirements. <br> - - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. VOM attached - Seller-02/11/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The file does not contain a VOM for the private mortgage on the primary residence. - Due Diligence Vendor-01/16/2026 | Ready for Review-.---Please waive, VOM provided is sufficient to clear the condition. GLs do not state that proof of payment is required. - Seller-02/19/2026 <br>Ready for Review-Document Uploaded. VOM attached - Seller-02/11/2026<br>| Resolved-After further review- Private VOM provided reflects that the mortgage was a 12 month contract and was paid in full with a $0.00 balance. Loan was taken out on XXXX and paid within 1 year which would be XXXX which is 1 year and prior to note date of XXXX. Condition resolved - Due Diligence Vendor-03/03/2026 | LTV is less than guideline maximum - Required is 75. Borrower has 70. Required is 75 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.26<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 691. Required is 660 Borrower has 691 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7145449 |
| 932648 | XXXX | XXXX | XXXX D A | Closed | FCRE1202 | 2026-01-16 16:23 | 2026-01-21 12:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. please clear condition as 3rd party fraud report contain all 3 pages and the borrower is listed under the borrower fraud report. these 2 reports were uploaded with the credit pkg. pg 219-226 and 318-320. i have reattached here<br> - Seller-01/20/2026 <br>Open-Third Party Fraud Report Partially Provided The file does not contain all pages of the fraud report. Borrower not listed as a loan participant. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. please clear condition as 3rd party fraud report contain all 3 pages and the borrower is listed under the borrower fraud report. these 2 reports were uploaded with the credit pkg. pg 219-226 and 318-320. i have reattached here<br> - Seller-01/20/2026<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/21/2026<br>| LTV is less than guideline maximum - Required is 75. Borrower has 70. Required is 75 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.26<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 691. Required is 660 Borrower has 691 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7145498 |
| 940508 | XXXX | XXXX | XXXX C A | Closed | FCRE1440 | 2026-01-21 14:46 | 2026-01-30 14:08 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received proof of rent paid since XXXX - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. Uploaded oct bank statement again, see page 6. Shows $1214.66 payment which matches rents paid already provided in file. - Seller-01/28/2026 <br> Counter-Received 8 months bank statements. XXXX statement did not reflect a payment. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. uploaded bank statements with rent payments highlighted - Seller-01/26/2026 <br> Counter-Received lease and apartment printout confirming payments. Missing corresponding borrower statements or printout reflecting payment to meet guidelines 1.5.5.3 - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Uploaded lease agreement & proof of rent payments made & bank statements - Seller-01/22/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOR for current primary residence. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. Uploaded oct bank statement again, see page 6. Shows $1214.66 payment which matches rents paid already provided in file. - Seller-01/28/2026 <br>Ready for Review-Document Uploaded. uploaded bank statements with rent payments highlighted - Seller-01/26/2026 <br>Ready for Review-Document Uploaded. Uploaded lease agreement & proof of rent payments made & bank statements - Seller-01/22/2026<br>| Resolved-Received proof of rent paid since XXXX - Due Diligence Vendor-01/30/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.36 Required is 50 Borrower has 21.36<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 Required is 680 Borrower has 745 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7222710 |
| 940509 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| 945454 | XXXX | XXXX | XXXX C A | Closed | finding-3634 | 2026-01-20 11:16 | 2026-01-27 14:51 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/27/2026 <br> Counter-----On CD XXXX discount points increased from $1,252.08 to $2,309.58 without a valid COC. Finding Remains. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-please clear condition as The COC for that changed was uploaded with credit pkg refer to page 44. For January 2nd Between the cd of 1-2 and docs XXXX nothing changed. <br>The fees are under the 5% so we should be good on that.<br> - Seller-01/26/2026 <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 $1,057.58.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 $1057.58 (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 $1057.58, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX - Due Diligence Vendor-01/20/2026 | Ready for Review-please clear condition as The COC for that changed was uploaded with credit pkg refer to page 44. For XXXX Between the cd of 1-2 and docs 1/8 nothing changed. <br>The fees are under the 5% so we should be good on that.<br> - Seller-01/26/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/27/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income<br>Months Reserves exceed minimum required - 13.02 mos reserves; 12 mos required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7180452 |
| 945458 | XXXX | XXXX | XXXX C A | Closed | FCRE5790 | 2026-01-23 13:13 | 2026-01-27 10:54 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. I have attached the updated udn - Seller-01/26/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 30 days outside closing - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. I have attached the updated udn - Seller-01/26/2026<br>| Resolved-Received UDM. - Due Diligence Vendor-01/27/2026<br>| Months Reserves exceed minimum required - 30.83 months PITIA reserves; 3 months reserves required.<br>Qualifying DTI below maximum allowed - DTI 44.23 max 50%. Required is 50 Borrower has 44.23 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7274907 |
| 955442 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 955446 | XXXX | XXXX | XXXX C A | Closed | FCRE7009 | 2026-01-26 10:01 | 2026-01-28 12:54 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Upon further review, policy reflects Guaranteed Replacement cost. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. please clear condition as HOI uploaded with credit pkg states 100%replacement cost under coverage and limits of liability- see attached. - Seller-01/27/2026 <br>Open-Insufficient Coverage Amount for Insured Subject Property. The file does not contain any documentation to support that the hazard insurance policy has sufficient coverage. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. please clear condition as HOI uploaded with credit pkg states 100%replacement cost under coverage and limits of liability- see attached. - Seller-01/27/2026<br>| Resolved-Upon further review, policy reflects Guaranteed Replacement cost. - Due Diligence Vendor-01/28/2026<br>| Long term residence - Borrower has owned the subject property since 8/1/2003<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.72 Required is 50 Borrower has 43.72 |  | 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 | 7293875 |
| 955447 | XXXX | XXXX | XXXX D A | Closed | FCRE6019 | 2026-01-26 16:23 | 2026-03-25 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Client provided USC19 Asylum Status Granted Indefinitely dated XXXX - Due Diligence Vendor-03/25/2026 <br> Counter-Received I-94 and I-485. Guideline 1.3.1.3 Non- Permanent Resident Alien- Asylum – Individuals granted asylum are eligible, documentation includes one of the following: ▪ Form I-766 Employment Authorization Document (EAD), (work permit/card) referencing code C08, or ▪ Form I-94 with a stamp or notation, such as "asylum granted indefinitely" or the appropriate provision of law (8 CFR 274a.12(a)(5) or INA 208) to show their employment authorization. The asylee does not need to present a foreign passport with this Form I-94. An asylee can also present <br> an electronic Form I-94 with an admission class of "AY.- In this case the documents appear to list the class of " AS1" - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. 2. The documentation provide for non-permanent resident alien is sufficient. Borrower was granted asylum by judge and USCIC granted the borrower asylum indefinitely. The borrower is not required to have an ead card etc. The borrower has also applied to his green card. All docs were submitted in initial file - Due Diligence Vendor-03/25/2026 <br> Open-Citizenship documentation missing. - Due Diligence Vendor-03/25/2026 |  | Resolved-Client provided USC19 Asylum Status Granted Indefinitely dated XXXX- Due Diligence Vendor-03/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743; min score 680. Required is 680 Borrower has 743<br>Verified employment history exceeds guidelines - borrower has been in business for over 3 yrs. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7303191 |
| 955447 | XXXX | XXXX | XXXX D A | Closed | FCRE1440 | 2026-01-26 09:42 | 2026-02-17 13:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History was provided. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - VOR attached cover payments from XXXX from their previous primary. They purchased the current primary XXXX the mortgage rating from the credit report below and mtg stmt attached (Oct & Nov on the stmt) cover payments thru XXXX..which satisfies 12 mos payment history. - Seller-02/13/2026 <br> Counter-Received VOR from private creditor. Missing proof of additional six months payments to complete evidence of payment activity for 12 months. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. 1. I have attached the previous VOR requested - Seller-02/11/2026 <br> Open-Housing History Does Not Meet Guideline Requirements missing 12 months history to cover pay history. borrower has been in current primary 6 months. Please provide VOM and VOR for prior rental history.<br> mortgage for current primary mtg statements provided from XXXX mortgage to XXXX which appears loan was transferred. pay history covered XXXX thru XXXX payment history. rental pay history inconsistent pages 93-94 - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - VOR attached cover payments from XXXX from their previous primary. They purchased the current primary XXXX the mortgage rating from the credit report below and mtg stmt attached (XXXX on the stmt) cover payments thru XXXX..which satisfies 12 mos payment history. - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. 1. I have attached the previous VOR requested - Seller-02/11/2026 | Resolved-Housing History was provided. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743; min score 680. Required is 680 Borrower has 743<br>Verified employment history exceeds guidelines - borrower has been in business for over 3 yrs. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7293473 |
| 959697 | XXXX | XXXX | XXXX D A C | Closed | FCOM1229 | 2026-01-26 14:52 | 2026-03-25 09:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | 1-4 Family Rider is Missing | Resolved-The 1-4 family rider is built into the Mortgage provided. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. hello on page 2 of our deed we do not have no rider please clear thank you see attached - Seller-01/28/2026 <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. hello on page 2 of our deed we do not have no rider please clear thank you see attached - Seller-01/28/2026<br>| Resolved-The 1-4 family rider is built into the Mortgage provided. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.81<br>LTV is less than guideline maximum - Required is 80 Borrower has 40.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 700 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7301808 |
| 959697 | XXXX | XXXX | XXXX D A C | Closed | FCRE7748 | 2026-01-26 15:37 | 2026-01-30 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Correct appraisal received. The initial appraisal provided was not for the subject property. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. The appraisal used (XXXX) was not for the subject property. I have attached the correct appraisal which matches the cda of XXXX<br>- Seller-01/30/2026 <br> Counter-The original appraisal was XXXX effective XXXX and the appraisal was updated to a value of XXXX effective XXXX. We need a desk review for the lower value. We can not use the higher value as the appraiser update has a lower value. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. the revised appraisal with Value of XXXX thank u - Seller-01/28/2026 <br> Counter-The CDA provided was done on an appraisal with a value of XXXX but the value on the appraisal provided was XXXX We need the desk review for the appraisal submitted with a value of XXXX. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. please see CDA thank you - Seller-01/28/2026 <br> Open-The appraisal in the file is valued at XXXX The CDA states an appraisal for XXXX, which is not in the file. The Lender used value of XXXX and 36.364% LTV. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. The appraisal used (XXXX) was not for the subject property. I have attached the correct appraisal which matches the cda of XXXX<br>- Seller-01/30/2026 <br> Ready for Review-Document Uploaded. the revised appraisal with Value of XXXX thank u - Seller-01/28/2026 <br> Ready for Review-Document Uploaded. please see CDA thank you - Seller-01/28/2026 | Resolved-Correct appraisal received. The initial appraisal provided was not for the subject property. - Due Diligence Vendor-01/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.81<br>LTV is less than guideline maximum - Required is 80 Borrower has 40.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 700 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7302486 |
| 961953 | XXXX | XXXX | XXXX B A | Closed | FCOM1302 | 2026-01-23 11:01 | 2026-01-23 11:01 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7270675 |
| 963103 | XXXX | XXXX | XXXX C A | Closed | FCRE9501 | 2026-01-27 10:23 | 2026-01-29 18:06 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-After further review, the assets are sufficient. - Due Diligence Vendor-01/29/2026 <br>Open-Total Qualified Assets Post-Close amount is '$-3208.48'. Assets are Insufficient. - Due Diligence Vendor-01/28/2026 |  | Resolved-After further review, the assets are sufficient. - Due Diligence Vendor-01/29/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.94 Required is 50 Borrower has 37.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 Required is 680 Borrower has 731 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 7311347 |
| 963103 | XXXX | XXXX | XXXX C A | Closed | FCRE1198 | 2026-01-27 10:29 | 2026-01-29 18:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-After further review, the assets are sufficient. - Due Diligence Vendor-01/29/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 9 month(s) Audited Reserves of 0 month(s) are less than Guideline Required Reserves of 9 month(s). - Due Diligence Vendor-01/28/2026 |  | Resolved-After further review, the assets are sufficient. - Due Diligence Vendor-01/29/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.94 Required is 50 Borrower has 37.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 Required is 680 Borrower has 731 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 7311456 |
| 973451 | XXXX | XXXX | XXXX B A | Closed | FCOM1302 | 2026-02-02 09:12 | 2026-02-02 09:12 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/02/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/02/2026<br>| LTV is less than guideline maximum - LTV 55.31 max 80%. Required is 80 Borrower has 55.31<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 741; min score 720. Required is 720 Borrower has 741 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7395668 |
| 985849 | XXXX | XXXX | XXXX C A | Closed | finding-3352 | 2026-02-10 10:21 | 2026-02-11 16:21 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-File contains full appraisal and loan has escrows for taxes & insurance - Due Diligence Vendor-02/11/2026 <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. ----- Statute of limitations – One year; Expiration date: XXXX<br> - Due Diligence Vendor-02/10/2026 |  | Resolved-File contains full appraisal and loan has escrows for taxes & insurance - Due Diligence Vendor-02/11/2026<br>| On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history.<br>Qualifying DTI below maximum allowed - DTI 39.36 max 50%. Required is 50 Borrower has 42.83 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7536223 |
| 990543 | XXXX | XXXX | XXXX D B A | Closed | FCRE1158 | 2026-02-17 12:50 | 2026-03-06 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received RCE and correct policy. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-The RCE was included with Hazard Insurance uploaded on 3.3.26.. see pages 3-4 attached.. - Seller-03/06/2026 <br> Counter-New Policy provided with a different insurance company provided reflecting the correct address, however the new policy has insufficient coverage. Finding remains. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Uploaded - Hazard Insurance - Seller-03/04/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided HAZARD INSURANCE has the wrong XXXX. - Due Diligence Vendor-02/17/2026 | Ready for Review-The RCE was included with Hazard Insurance uploaded on XXXX. see pages 3-4 attached.. - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. Uploaded - Hazard Insurance - Seller-03/04/2026 | Resolved-Received RCE and correct policy. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 721 min score 700. Required is 700 Borrower has 721<br>Qualifying DTI below maximum allowed - DTI 39.8 max is 50%. Required is 50 Borrower has 39.8 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7658999 |
| 990543 | XXXX | XXXX | XXXX D B A | Closed | FCRE8201 | 2026-02-17 13:39 | 2026-02-19 13:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for XXXX sq ft, min 700 - Due Diligence Vendor-02/19/2026 <br> Open-Lender Exception - for minimum square foot footage- property is XXXX sq feet. minimum requirement is 700 sq feet. - Due Diligence Vendor-02/17/2026 |  | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for XXXX sq ft, min 700 - Due Diligence Vendor-02/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - qualifying score 721 min score 700. Required is 700 Borrower has 721<br>Qualifying DTI below maximum allowed - DTI 39.8 max is 50%. Required is 50 Borrower has 39.8 | ratios <43%<br> fico >10 points |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7660287 |
| 1010278 | XXXX | XXXX | XXXX C A | Closed | FCRE1509 | 2026-02-24 19:24 | 2026-02-26 17:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Guaranty provided. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Per funding management, this is a XXXX, the note will not print individual, the Guaranty will take it's place. Guaranty included in original upload, reuploaded - Seller-02/26/2026 <br>Open-There are Issues Present on the Note that must be addressed. Borrower only signed the Note as a Trustee and not an individual. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. Per funding management, this is a XXXX, the note will not print individual, the Guaranty will take it's place. Guaranty included in original upload, reuploaded - Seller-02/26/2026<br>| Resolved-Guaranty provided. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 750<br>LTV is less than guideline maximum - Required is 75 Borrower has 33.9 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7789379 |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

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| | | | | |
|:---|:---|:---|:---|:---|
| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 593155 | XXXX | XXXX | XXXX | XXXX A |
| 664695 | XXXX | XXXX | XXXX | XXXX C A B |
| 666922 | XXXX | XXXX | XXXX | XXXX C D A B |
| 672026 | XXXX | XXXX | XXXX | XXXX C A B |
| 675334 | XXXX | XXXX | XXXX | XXXX A |
| 683418 | XXXX | XXXX | XXXX | XXXX B A |
| 692926 | XXXX | XXXX | XXXX | XXXX C A |
| 697746 | XXXX | XXXX | XXXX | XXXX D A |
| 699059 | XXXX | XXXX | XXXX | XXXX C A B |
| 700717 | XXXX | XXXX | XXXX | XXXX A C |
| 711857 | XXXX | XXXX | XXXX | XXXX A |
| 711870 | XXXX | XXXX | XXXX | XXXX C A |
| 715221 | XXXX | XXXX | XXXX | XXXX C A |
| 720941 | XXXX | XXXX | XXXX | XXXX A |
| 728824 | XXXX | XXXX | XXXX | XXXX A |
| 728825 | XXXX | XXXX | XXXX | XXXX A |
| 747840 | XXXX | XXXX | XXXX | XXXX D A |
| 756747 | XXXX | XXXX | XXXX | XXXX C A |
| 759140 | XXXX | XXXX | XXXX | XXXX D C A B |
| 763935 | XXXX | XXXX | XXXX | XXXX A |
| 763936 | XXXX | XXXX | XXXX | XXXX A |
| 776450 | XXXX | XXXX | XXXX | XXXX A |
| 778794 | XXXX | XXXX | XXXX | XXXX A |
| 778796 | XXXX | XXXX | XXXX | XXXX D A |
| 780100 | XXXX | XXXX | XXXX | XXXX C A B |
| 780409 | XXXX | XXXX | XXXX | XXXX C A |
| 781928 | XXXX | XXXX | XXXX | XXXX D A |
| 788360 | XXXX | XXXX | XXXX | XXXX C A |
| 793825 | XXXX | XXXX | XXXX | XXXX C A |
| 793834 | XXXX | XXXX | XXXX | XXXX D A |
| 806599 | XXXX | XXXX | XXXX | XXXX A |
| 809337 | XXXX | XXXX | XXXX | XXXX A |
| 832847 | XXXX | XXXX | XXXX | XXXX C A |
| 837495 | XXXX | XXXX | XXXX | XXXX D A |
| 849212 | XXXX | XXXX | XXXX | XXXX D C A B |
| 851077 | XXXX | XXXX | XXXX | XXXX D A |
| 852940 | XXXX | XXXX | XXXX | XXXX C A |
| 856288 | XXXX | XXXX | XXXX | XXXX D A B |
| 856289 | XXXX | XXXX | XXXX | XXXX A |
| 857724 | XXXX | XXXX | XXXX | XXXX C A |
| 859802 | XXXX | XXXX | XXXX | XXXX A |
| 863917 | XXXX | XXXX | XXXX | XXXX C A |
| 865469 | XXXX | XXXX | XXXX | XXXX C A |
| 865471 | XXXX | XXXX | XXXX | XXXX C A |
| 865765 | XXXX | XXXX | XXXX | XXXX A |
| 867460 | XXXX | XXXX | XXXX | XXXX C A |
| 867474 | XXXX | XXXX | XXXX | XXXX C A B |
| 870595 | XXXX | XXXX | XXXX | XXXX C B A |
| 872221 | XXXX | XXXX | XXXX | XXXX C D A B |
| 872228 | XXXX | XXXX | XXXX | XXXX D A |
| 874190 | XXXX | XXXX | XXXX | XXXX D A |
| 874192 | XXXX | XXXX | XXXX | XXXX A |
| 874194 | XXXX | XXXX | XXXX | XXXX C A |
| 874195 | XXXX | XXXX | XXXX | XXXX C A |
| 874197 | XXXX | XXXX | XXXX | XXXX D A |
| 874198 | XXXX | XXXX | XXXX | XXXX C A |
| 874995 | XXXX | XXXX | XXXX | XXXX C A |
| 876590 | XXXX | XXXX | XXXX | XXXX D A |
| 876591 | XXXX | XXXX | XXXX | XXXX D A B |
| 876592 | XXXX | XXXX | XXXX | XXXX A |
| 876593 | XXXX | XXXX | XXXX | XXXX C A |
| 876596 | XXXX | XXXX | XXXX | XXXX A |
| 879385 | XXXX | XXXX | XXXX | XXXX A D |
| 882694 | XXXX | XXXX | XXXX | XXXX D A B |
| 882695 | XXXX | XXXX | XXXX | XXXX A |
| 882696 | XXXX | XXXX | XXXX | XXXX A |
| 882698 | XXXX | XXXX | XXXX | XXXX A C |
| 882701 | XXXX | XXXX | XXXX | XXXX C D A |
| 884648 | XXXX | XXXX | XXXX | XXXX A |
| 884649 | XXXX | XXXX | XXXX | XXXX A |
| 884654 | XXXX | XXXX | XXXX | XXXX B A |
| 884656 | XXXX | XXXX | XXXX | XXXX C A |
| 884658 | XXXX | XXXX | XXXX | XXXX A |
| 886510 | XXXX | XXXX | XXXX | XXXX C A |
| 886512 | XXXX | XXXX | XXXX | XXXX A |
| 886516 | XXXX | XXXX | XXXX | XXXX A |
| 888035 | XXXX | XXXX | XXXX | XXXX D A |
| 889316 | XXXX | XXXX | XXXX | XXXX C A |
| 889317 | XXXX | XXXX | XXXX | XXXX A |
| 889322 | XXXX | XXXX | XXXX | XXXX A |
| 891271 | XXXX | XXXX | XXXX | XXXX A |
| 891281 | XXXX | XXXX | XXXX | XXXX C A |
| 893053 | XXXX | XXXX | XXXX | XXXX D A |
| 893054 | XXXX | XXXX | XXXX | XXXX D A |
| 893057 | XXXX | XXXX | XXXX | XXXX D A |
| 896108 | XXXX | XXXX | XXXX | XXXX C A B |
| 896110 | XXXX | XXXX | XXXX | XXXX C A |
| 896111 | XXXX | XXXX | XXXX | XXXX D C A B |
| 896113 | XXXX | XXXX | XXXX | XXXX C A |
| 896114 | XXXX | XXXX | XXXX | XXXX A |
| 896117 | XXXX | XXXX | XXXX | XXXX A |
| 896119 | XXXX | XXXX | XXXX | XXXX D A |
| 898350 | XXXX | XXXX | XXXX | XXXX A |
| 898354 | XXXX | XXXX | XXXX | XXXX D A |
| 898357 | XXXX | XXXX | XXXX | XXXX C A B |
| 898359 | XXXX | XXXX | XXXX | XXXX D A |
| 898361 | XXXX | XXXX | XXXX | XXXX C A |
| 900224 | XXXX | XXXX | XXXX | XXXX A |
| 900225 | XXXX | XXXX | XXXX | XXXX D A |
| 900231 | XXXX | XXXX | XXXX | XXXX C A |
| 900232 | XXXX | XXXX | XXXX | XXXX A C B |
| 903335 | XXXX | XXXX | XXXX | XXXX A |
| 903342 | XXXX | XXXX | XXXX | XXXX C A |
| 905897 | XXXX | XXXX | XXXX | XXXX C A |
| 905899 | XXXX | XXXX | XXXX | XXXX C A B |
| 911761 | XXXX | XXXX | XXXX | XXXX A |
| 911763 | XXXX | XXXX | XXXX | XXXX A C |
| 911764 | XXXX | XXXX | XXXX | XXXX A C |
| 911767 | XXXX | XXXX | XXXX | XXXX D A B |
| 911771 | XXXX | XXXX | XXXX | XXXX D C A B |
| 911776 | XXXX | XXXX | XXXX | XXXX A C |
| 914651 | XXXX | XXXX | XXXX | XXXX A B |
| 914652 | XXXX | XXXX | XXXX | XXXX C A B |
| 914654 | XXXX | XXXX | XXXX | XXXX A C |
| 914657 | XXXX | XXXX | XXXX | XXXX A |
| 917288 | XXXX | XXXX | XXXX | XXXX A |
| 919205 | XXXX | XXXX | XXXX | XXXX D A |
| 920874 | XXXX | XXXX | XXXX | XXXX C A |
| 924281 | XXXX | XXXX | XXXX | XXXX A |
| 926496 | XXXX | XXXX | XXXX | XXXX A C |
| 929103 | XXXX | XXXX | XXXX | XXXX A |
| 932648 | XXXX | XXXX | XXXX | XXXX D A |
| 940508 | XXXX | XXXX | XXXX | XXXX C A |
| 940509 | XXXX | XXXX | XXXX | XXXX A |
| 945454 | XXXX | XXXX | XXXX | XXXX A C |
| 945458 | XXXX | XXXX | XXXX | XXXX C A |
| 955442 | XXXX | XXXX | XXXX | XXXX A |
| 955446 | XXXX | XXXX | XXXX | XXXX C A |
| 955447 | XXXX | XXXX | XXXX | XXXX D A |
| 959697 | XXXX | XXXX | XXXX | XXXX C D A |
| 961953 | XXXX | XXXX | XXXX | XXXX A B |
| 963103 | XXXX | XXXX | XXXX | XXXX C A |
| 973451 | XXXX | XXXX | XXXX | XXXX A B |
| 985849 | XXXX | XXXX | XXXX | XXXX A C |
| 990543 | XXXX | XXXX | XXXX | XXXX D A B |
| 1010278 | XXXX | XXXX | XXXX | XXXX C A |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

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| **LoanRecordID** | **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** |
| 593155 | XXXX | 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 |
| 664695 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.7 | 64.7 | XXXX | XXXX | .0662 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0662 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible |  |  |
| 666922 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 672026 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 39.02 | 39.02 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 675334 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0620 | AVM |  |  |  |  |  | XXXX |  |  |  | XXXX | XXXX | -.0620 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| 683418 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.7 | 23.7 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 692926 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 697746 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 45.0 | 45.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 699059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.2 | XXXX |
| 700717 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| 711857 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 711870 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0014 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0014 | 98.0 | 0.02 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 715221 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 720941 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 728824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 728825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 747840 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0391 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 756747 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| 759140 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 763935 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0159 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0159 | 98.0 | 0.02 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 763936 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.34 | 79.34 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0124 | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 778794 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| 778796 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 780100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 780409 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| 781928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| 788360 | XXXX | XXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 2090 Individual Coop Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793834 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 806599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0120 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0120 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 809337 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0167 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0167 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 832847 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 62.5 | 62.5 | XXXX | XXXX | -.0400 | 1073 Individual Condo Report |  |  |  |  | XXXX | XXXX | -.0400 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 837495 | XXXX | XXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849212 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 851077 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| 852940 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856288 | XXXX | XXXX | 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 | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 856289 | XXXX | XXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 857724 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.67 | 66.67 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 859802 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 37.91 | 37.91 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 865469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.94 | 69.94 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 865471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865765 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| 867460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 867474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0590 | 87.0 | 0.13 | XXXX | XXXX | XXXX | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 870595 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0938 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0938 | 90.0 | 0.1 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| 872221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 872228 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 874190 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0595 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0595 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 874192 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 874194 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 874195 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 874197 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 874198 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 874995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 876590 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| 876591 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.9 | 79.9 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 876592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.63 | 36.63 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 876593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0301 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0301 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| 876596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 879385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0141 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.5 | XXXX |
| 882694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| 882695 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 882696 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.14 | 67.14 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 882698 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0190 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0190 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 882701 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| 884648 | XXXX | XXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 884649 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 77.88 | 77.88 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 884654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0753 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0753 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 884656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.74 | 79.74 | XXXX | XXXX | .0215 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0215 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXXX |
| 884658 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| 886510 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| 886512 | XXXX | XXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| 886516 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| 888035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 889316 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0114 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0114 | 98.0 | 0.02 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| 889317 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.21 | 79.21 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 889322 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 891271 | XXXX | XXXX | 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 | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| 891281 | XXXX | XXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| 893053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 893054 | XXXX | XXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| 893057 | XXXX | XXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| 896108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 896110 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 46.58 | 46.58 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| 896111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0239 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0239 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 896113 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| 896114 | XXXX | 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 |
| 896117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.99 | 79.99 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 896119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 898350 | XXXX | 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 |
| 898354 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0025 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0025 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 898357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| 898359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 898361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0096 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0096 | XXXX | 1004 URAR | XXXX | XXXX | -.0858 | 91.0 | 0.09 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 900224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .1867 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1867 | 98.0 | 0.02 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| 900225 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 900231 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0298 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0298 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 900232 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.98 | 56.98 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 903335 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 903342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 905897 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 905899 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.67 | 63.67 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 911761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| 911763 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.99 | 79.99 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 911764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 911767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| 911771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 79.45 | 79.45 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 911776 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 914651 | XXXX | 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 |
| 914652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 914654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| 914657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 917288 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.63 | 52.63 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 919205 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 920874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 924281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0082 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0082 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 926496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0282 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0282 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 929103 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0041 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0041 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 932648 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0631 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0631 | 96.0 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 940508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 940509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 945454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0114 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0114 | 98.0 | 0.02 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 945458 | XXXX | XXXX | XXXX | 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 | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 955442 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 79.78 | 79.78 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 955446 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 955447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 959697 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.36 | 36.36 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 961953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| 963103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 973451 | XXXX | XXXX | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.31 | 55.31 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 985849 | XXXX | XXXX | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 990543 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0361 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0361 | 90.0 | 0.1 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 3.6 |  |
| 1010278 | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.9 | 33.9 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

---

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| **LoanRecordID** | **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** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **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** |
| 593155 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.125% |  | XXXX | No | XXXX | XXXX | $3003.12 | $250.26 | $0.00 | $0.00 | $0.00 | $3374.22 |  | 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 | 0.771 | 0.811 |  | 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 | 03/11/2025 | 03/11/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | 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 | 11.3 | XXXX | 12.2 | No | 70 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 664695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/27/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1475 | 06/02/2025 | 6.920% |  |  | No | 7.508% |  | 7.499% |  | XXXX | No | XXXX | XXXX | $23261.04 | $1938.42 | $1200.00 | $100.00 | $0.00 | $33888.63 | $78924.77 | N/A | XXXX | XX | $100.00 | 07/01/2025 | Annually | 0.00% | 34.83% | 34.83% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | Yes | No | 60 | No | Yes | N/A | 3 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025 - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2025 - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/25/2025 | 04/25/2025 |  |  |  | 795 |  |  |  |  |  |  |  |  | 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 | 229.9 | XXXX | 229.9 | No | 64.7 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 666922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/09/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.125% |  | XXXX | No | XXXX | XXXX | $3951.00 | $329.25 | $0.00 | $0.00 | $0.00 | $15748.76 |  | 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 | 0.54 | 0.74 |  | 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 | 06/18/2025 | 06/18/2025 |  |  |  | 662 |  |  |  |  |  |  |  |  | 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 | 3.2 | XXXX | 3.2 | No | 70 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 672026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | XXXX | No | XXXX | XXXX | $4615.68 | $384.64 | $0.00 | $0.00 | $0.00 | $7403.64 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | 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 | 1.81 | 1.81 |  | 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 | 05/01/2025 | 05/01/2025 |  |  |  | 643 |  |  |  |  |  |  |  |  | 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 | 73.5 | No | 39.02 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 675334 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | XXXX | No | XXXX | XXXX | $977.04 | $81.42 | $0.00 | $0.00 | $0.00 | $1905.43 |  | 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 | 1.291 | 1.291 |  | 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 | 03/14/2025 | 03/14/2025 | 03/14/2025 |  |  | 798 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 41.6 | XXXX | 41.6 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 683418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/09/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | XXXX | No | XXXX | XXXX | $1505.04 | $125.42 | $0.00 | $0.00 | $0.00 | $2329.51 |  | 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 | 1.545 | 1.545 |  | 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 | 06/05/2025 | 06/05/2025 |  |  |  | 649 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 59.1 | No | 23.7 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 692926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | XXXX | No | XXXX | XXXX | $966.00 | $80.50 | $0.00 | $0.00 | $0.00 | $2383.11 |  | 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 | 1.15 |  | 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 | 06/01/2025 | 06/01/2025 |  |  |  | 676 |  |  |  |  |  |  |  |  | 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 | 89.9 | No | 70 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 697746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  | $0.00 | 8.625% |  | XXXX | No | XXXX | XXXX | $3816.00 | $318.00 | $0.00 | $0.00 | $0.00 | $5363.22 |  | 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 | 1.026 | 1.011 |  | 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 | 03/28/2025 | 03/28/2025 |  |  |  | 638 |  |  |  |  |  |  |  |  | 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 | 59.8 | No | 45 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 699059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/07/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1196.64 | $99.72 | $5820.00 | $485.00 | $0.00 | $4758.48 |  | Yes | XXXX | XX | $485.00 |  | 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 | 1.051 | 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 | 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 | 06/10/2025 | 06/10/2025 |  |  |  | 777 |  |  |  |  |  |  |  |  | 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 | 16.1 | XXXX | 16.1 | No | 80 | Yes | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 700717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.750% |  | XXXX | No | XXXX | XXXX | $1695.60 | $141.30 | $0.00 | $0.00 | $0.00 | $1618.85 |  | 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 | 1.081 | 1.08 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 06/02/2025 | 06/02/2025 |  |  |  | 754 |  |  |  |  |  |  |  |  | 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 | 5.5 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 711857 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.250% |  | XXXX | No | XXXX | XXXX | $3243.60 | $270.30 | $4212.00 | $351.00 | $0.00 | $2632.60 |  | N/A | XXXX | XX | $351.00 | 09/01/2025 | 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 | 1.509 | 1.51 |  | 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 | 07/07/2025 | 07/07/2025 | 07/07/2025 |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.6 | XXXX | 9.6 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 711870 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13978 | 07/21/2025 | 6.790% |  |  | No | 7.768% |  | 7.500% |  | XXXX | No | XXXX | XXXX | $1677.00 | $139.75 | $0.00 | $0.00 | $0.00 | $4295.01 | $6187.24 | N/A |  |  | $0.00 |  |  | 0.00% | 46.11% | 46.11% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/01/2025 | 05/01/2025 |  |  |  | 752 |  |  |  |  |  |  |  |  | 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 | 9.7 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 715221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  | $280.00 | 7.750% |  | XXXX | No | XXXX | XXXX | $1560.96 | $130.08 | $0.00 | $0.00 | $0.00 | $1938.02 |  | 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 | 1.29 | 1.28 |  | 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 | 05/22/2025 | 05/22/2025 |  |  |  | 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 | 21.9 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 720941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/21/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 28270 | 08/04/2025 | 6.750% |  |  | No | 8.231% |  | 8.000% |  | XXXX | No | XXXX | XXXX | $3096.00 | $258.00 | $0.00 | $0.00 | $0.00 | $11795.61 | $30143.97 | N/A |  |  | $0.00 |  |  | 0.00% | 32.26% | 27.38% | 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 - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/05/2025 | 06/05/2025 |  |  |  | 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 | 41.5 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 728824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1776.00 | $148.00 | $1149.96 | $95.83 | $0.00 | $4147.77 |  | N/A | XXXX | XX | $95.83 |  | 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% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.198 | 1.198 |  | 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 | 07/08/2025 | 07/08/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | 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 | 0 | XXXX | 0 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 728825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1860.96 | $155.08 | $1149.96 | $95.83 | $0.00 | $4154.85 |  | N/A | XXXX | XX | $95.83 |  | 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% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.196 | 1.191 |  | 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 | 07/08/2025 | 07/08/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | 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 | .00 | 0 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 747840 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No | XXXX | XXXX | $2979.96 | $248.33 | $0.00 | $0.00 | $0.00 | $6790.06 | $55869.51 | N/A |  |  | $0.00 |  |  | 0.00% | 41.66% | 41.66% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/14/2025 | 07/14/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | 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 | 17.2 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 756747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 17760 | 08/11/2025 | 6.630% |  |  | No | 7.095% |  | 6.999% |  | XXXX | No | XXXX | XXXX | $5017.32 | $418.11 | $500.04 | $41.67 | $0.00 | $14623.11 | $56190.66 | N/A | XXXX | XX | $41.67 |  | Annually | 0.00% | 43.81% | 43.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/14/2025 | 08/14/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | 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 | 9.7 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 759140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7482 | 07/14/2025 | 6.750% |  |  | No | 7.825% |  | 7.500% |  | XXXX | No | XXXX | XXXX | $717.00 | $59.75 | $0.00 | $0.00 | $0.00 | $1964.05 | $6517.95 | N/A |  |  | $0.00 |  |  | 0.00% | 36.77% | 36.77% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/07/2025 | 07/07/2025 | 07/07/2025 |  |  | 715 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.5 | XXXX | 51.1 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 763935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No | XXXX | XXXX | $2436.84 | $203.07 | $0.00 | $0.00 | $0.00 | $3220.16 | $72574.77 | N/A |  |  | $0.00 |  |  | 0.00% | 31.60% | 31.60% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO, 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), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/25/2025 | 07/25/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | N/A |  |  | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.1 | XXXX | 19.8 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 763936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | XXXX | No | XXXX | XXXX | $3040.08 | $253.34 | $0.00 | $0.00 | $0.00 | $1610.16 |  | 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 | 1.009 | 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 | 07/30/2025 | 07/30/2025 |  |  |  | 750 |  |  |  |  |  |  |  |  | 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 | 20 | No | 79.34 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 776450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7786.25 | 08/25/2025 | 6.630% |  |  | No | 9.047% |  | 8.625% |  | XXXX | No | XXXX | XXXX | $2257.80 | $188.15 | $220.08 | $18.34 | $0.00 | $2615.70 | $6519.29 | N/A | XXXX | XX | $18.34 |  | Monthly | 0.00% | 34.81% | 34.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 2 | 1 |  |  | 3 | 2 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | Yes | 1 | 1 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), CPA Letter Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/12/2025 | 08/12/2025 |  |  |  | 708 |  |  |  |  |  |  |  |  | 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 | N/A |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.8 | XXXX | 8.8 | No | 90 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 778794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 15195 | 09/01/2025 | 6.570% |  |  | No | 9.059% |  | 8.750% |  | XXXX | No | XXXX | XXXX | $1510.56 | $125.88 | $0.00 | $0.00 | $0.00 | $5869.90 | $14560.70 | N/A |  |  | $0.00 |  |  | 0.00% | 36.96% | 36.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/04/2025 | 08/04/2025 |  |  |  | 688 |  |  |  |  |  |  |  |  | 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 | 20.4 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 778796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11995 | 08/25/2025 | 6.630% |  |  | No | 8.259% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $2646.00 | $220.50 | $0.00 | $0.00 | $0.00 | $3357.99 | $26727.26 | N/A |  |  | $0.00 |  |  | 0.00% | 16.54% | 16.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/18/2025 | 06/18/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | 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 | 86.3 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 780100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/21/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15950 | 09/01/2025 | 6.570% |  |  | No | 7.995% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1179.00 | $98.25 | $0.00 | $0.00 | $0.00 | $4656.21 | $7131.79 | N/A |  |  | $0.00 |  |  | 0.00% | 39.71% | 39.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/10/2025 | 09/10/2025 |  |  |  | 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 | 4.2 | XXXX | 4.2 | No | 90 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 780409 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/07/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 12801.88 | 08/25/2025 | 6.630% |  |  | No | 7.627% |  | 7.490% |  | XXXX | No | XXXX | XXXX | $492.00 | $41.00 | $0.00 | $0.00 | $0.00 | $4708.53 | $6311.47 | N/A |  |  | $0.00 |  |  | 0.00% | 45.82% | 45.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/04/2025 | 08/04/2025 |  |  |  | 783 |  |  |  |  |  |  |  |  | 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 | 6 | No | 75 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 781928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 14475 | 08/25/2025 | 6.630% |  |  | No | 9.834% |  | 9.375% |  | XXXX | No | XXXX | XXXX | $4069.56 | $339.13 | $0.00 | $0.00 | $0.00 | $4713.80 | $22002.20 | N/A |  |  | $0.00 |  |  | 0.00% | 24.64% | 24.64% | 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 | 156 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/25/2025 | 08/25/2025 |  |  |  | 630 |  |  |  |  |  |  |  |  | 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 |  | Real ID Driver's License |  | XX | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 36.8 | XXXX | 36.8 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 788360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/07/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 29370 | 09/08/2025 | 6.540% |  |  | No | 7.672% |  | 7.625% |  | XXXX | No | XXXX | XXXX | $1302.00 | $108.50 | $0.00 | $0.00 | $0.00 | $11401.16 | $17666.65 | N/A |  |  | $0.00 |  |  | 0.00% | 48.70% | 48.70% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 59.98% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 148 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/26/2025 | 08/26/2025 | 08/26/2025 |  |  | 764 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.1 | XXXX | 11.1 | No | 85 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 793825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.750% |  | XXXX | No | XXXX | XXXX | $528.96 | $44.08 | $16552.68 | $1379.39 | $0.00 | $4193.07 | $5817.57 | N/A | XXXX | XX | $1379.39 |  | Monthly | 0.00% | 49.76% | 49.76% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 2 | 1 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 | 36 | No | 0 | NA | 0 | 0 | N/A | Yes | 24 | 24 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, CPA Letter Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/07/2025 | 08/07/2025 | 08/07/2025 |  |  | 741 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 22.4 | XXXX | 22.4 | No | 75 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 793834 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/07/2025 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 19920 | 09/08/2025 | 6.540% |  |  | No | 7.427% |  | 7.375% |  | XXXX | No | XXXX | XXXX | $2631.00 | $219.25 | $0.00 | $0.00 | $0.00 | $7719.21 | $30247.01 | N/A |  |  | $0.00 |  |  | 0.00% | 23.53% | 23.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/08/2025 | 09/08/2025 |  |  |  | 756 |  |  |  |  |  |  |  |  | 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 |  | Employment Authorization Card |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 46.7 | XXXX | 46.7 | No | 85 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 806599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/30/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 46062.5 | 09/29/2025 | 6.310% |  |  | No | 8.080% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $7818.96 | $651.58 | $2400.00 | $200.00 | $0.00 | $27418.29 | $41969.13 | N/A | XXXX | XX | $200.00 | 11/01/2025 | Monthly | 0.00% | 40.36% | 40.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/26/2025 | 09/26/2025 |  |  |  | 725 |  |  |  |  |  |  |  |  | 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 | 6.2 | XXXX | 6.2 | No | 75 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 809337 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/28/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9755 | 09/22/2025 | 6.220% |  |  | No | 8.584% |  | 8.250% |  | XXXX | No | XXXX | XXXX | $4157.04 | $346.42 | $0.00 | $0.00 | $0.00 | $3593.35 | $19410.65 | N/A |  |  | $0.00 |  |  | 0.00% | 19.75% | 19.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/15/2025 | 08/15/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | 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 | N/A |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.9 | XXXX | 11.9 | No | 90 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 832847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/07/2025 | 5 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | XXXX | No | XXXX | XXXX | $6981.00 | $581.75 | $25620.00 | $2135.00 | $0.00 | $23935.88 |  | Yes | XXXX | XX | $2135.00 | 12/01/2025 | 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 | 1.034 | 1.034 |  | 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 | 09/05/2025 | 09/05/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | 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 | 120.3 | No | 62.5 | No | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 837495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/10/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No | XXXX | XXXX | $2307.96 | $192.33 | $10200.00 | $850.00 | $0.00 | $6803.41 |  | Yes | XXXX | XX | $850.00 |  | 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 | 1.384 |  |  | 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 | 09/05/2025 | 09/05/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | 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 | 12.6 | No | 70 | Yes | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 849212 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/29/2025 | 21 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6992.69 | 10/27/2025 | 6.160% |  |  | No | 7.529% |  | 7.375% |  | XXXX | No | XXXX | XXXX | $2308.32 | $192.36 | $1164.00 | $97.00 | $0.00 | $1877.64 | $11461.36 | N/A | XXXX | XX | $97.00 |  | Monthly | 0.00% | 14.24% | 14.24% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | Yes | No | 60 | No | Yes | N/A | 6 | 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 |  | N/A | Borrower - Asset Depletion - Personal Bank Statements Verified, null Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/10/2025 | 10/10/2025 |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | 434.4 | XXXX | 434.4 | No | 50 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 851077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/29/2025 | 23 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | XXXX | No | XXXX | XXXX | $5565.48 | $463.79 | $0.00 | $0.00 | $0.00 | $7728.30 |  | 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 | 0.776 | 0.77 |  | 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 | 10/08/2025 | 10/08/2025 |  |  |  | 719 |  |  |  |  |  |  |  |  | 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 | 107.2 | No | 65 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A | XXXX |  |  |  |
| 852940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No | XXXX | XXXX | $1470.00 | $122.50 | $0.00 | $0.00 | $0.00 | $1176.94 |  | 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 | 1.274 | 1.274 |  | 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 | 10/16/2025 | 10/16/2025 |  |  |  | 765 |  |  |  |  |  |  |  |  | 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 | 122.9 | No | 75 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 856288 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10659.38 | 10/20/2025 | 6.240% |  |  | No | 8.405% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $965.76 | $80.48 | $0.00 | $0.00 | $0.00 | $2275.73 | $4100.68 | N/A |  |  | $0.00 |  |  | 0.00% | 50.98% | 50.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/06/2025 | 10/06/2025 |  |  |  | 754 |  |  |  |  |  |  |  |  | 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 | 11.8 | XXXX | 11.8 | No | 85 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 856289 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.500% |  | XXXX | No | XXXX | XXXX | $2872.56 | $239.38 | $0.00 | $0.00 | $0.00 | $7053.11 |  | 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 | 1.007 | 1.007 |  | 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 | 10/02/2025 | 10/02/2025 |  |  |  | 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 | .00 | 0 | XXXX | 43.5 | No | 70 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 857724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/29/2025 | 21 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9744 | 10/13/2025 | 6.290% |  |  | No | 7.142% |  | 6.999% |  | XXXX | No | XXXX | XXXX | $2723.64 | $226.97 | $495.00 | $41.25 | $0.00 | $6163.58 | $8366.81 | N/A | XXXX | XX | $41.25 |  | Annually | 0.00% | 46.92% | 46.92% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | Yes | No | 60 | No | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/29/2025 | 08/29/2025 |  |  |  | 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 | .00 | 0 | XXXX | 46 | No | 66.67 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 859802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/30/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.250% |  | XXXX | No | XXXX | XXXX | $4302.00 | $358.50 | $0.00 | $0.00 | $0.00 | $6962.94 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.896 | 1.91 |  | 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 | 07/30/2025 | 07/30/2025 |  |  |  | 792 |  |  |  |  |  |  |  |  | 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 | 145.6 | No | 37.91 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 863917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11914.54 | 11/10/2025 | 6.260% |  |  | No | 7.484% |  | 7.125% |  | XXXX | No | XXXX | XXXX | $1164.96 | $97.08 | $699.96 | $58.33 | $0.00 | $2933.03 | $4969.86 | N/A | XXXX | XX | $58.33 |  | Annually | 0.00% | 37.86% | 37.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 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, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/24/2025 | 09/24/2025 |  |  |  | 732 |  |  |  |  |  |  |  |  | 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 | N/A | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.2 | XXXX | 6.2 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 865469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No | XXXX | XXXX | $3459.00 | $288.25 | $0.00 | $0.00 | $0.00 | $6070.66 |  | 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 | 0.807 | 0.807 |  | 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 | 08/22/2025 | 08/22/2025 | 08/22/2025 |  |  | 689 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 26.9 | XXXX | 26.9 | No | 69.94 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 865471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No | XXXX | XXXX | $4698.00 | $391.50 | $0.00 | $0.00 | $0.00 | $1675.41 |  | 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 | 1.122 | 1.001 |  | 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 | 10/07/2025 | 10/07/2025 |  |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 6.7 | XXXX | 6.7 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 865765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1587.00 | $132.25 | $0.00 | $0.00 | $0.00 | $1723.75 |  | 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 | 1.044 | 1.044 |  | 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 | 10/01/2025 | 10/01/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | 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 | 4.7 | XXXX | 23.7 | No | 75 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 867460 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | No | XXXX | XXXX | $7348.08 | $612.34 | $0.00 | $0.00 | $0.00 | $4045.10 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.711 | 2.711 |  | 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 | 10/13/2025 | 10/13/2025 |  |  |  | 683 |  |  |  |  |  |  |  |  | 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 | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0 | XXXX | 0 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 867474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | XXXX | No | XXXX | XXXX | $9866.04 | $822.17 | $0.00 | $0.00 | $0.00 | $5452.70 |  | 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 | 1.157 | 1.165 |  | 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 | 10/21/2025 | 10/21/2025 |  |  |  | 755 |  |  |  |  |  |  |  |  | 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 | Unknown | N/A | XXXX | 3.5 | XXXX | 3.5 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 870595 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 5537.21 | 11/03/2025 | 6.170% |  |  | No | 8.039% |  | 7.750% |  | XXXX | No | XXXX | XXXX | $2997.00 | $249.75 | $0.00 | $0.00 | $0.00 | $2182.96 | $10928.29 | N/A |  |  | $0.00 |  |  | 0.00% | 43.42% | 43.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 28 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/30/2025 | 10/30/2025 |  |  |  | 652 |  |  |  |  |  |  |  |  | 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 | 26.5 | No | 70 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 872221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 30712.13 | 11/10/2025 | 6.260% |  |  | No | 8.041% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $2191.56 | $182.63 | $1404.00 | $117.00 | $0.00 | $8664.01 | $17280.49 | N/A | XXXX | XX | $117.00 | 01/01/2026 | Monthly | 0.00% | 35.55% | 35.55% | 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 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/06/2025 | 09/06/2025 |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.1 | XXXX | 11.1 | No | 90 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 872228 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | XXXX | No | XXXX | XXXX | $1977.00 | $164.75 | $0.00 | $0.00 | $0.00 | $1510.69 |  | 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 | 1.06 | 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 \|\| 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 | 09/12/2025 | 09/12/2025 | 09/12/2025 |  |  | 728 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 18.3 | XXXX | 18.3 | No | 75 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 874190 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | XXXX | No | XXXX | XXXX | $1355.40 | $112.95 | $1128.00 | $94.00 | $0.00 | $3002.79 |  | N/A | XXXX | XX | $94.00 |  | 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 | 1.914 | 1.914 |  | 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 | 09/26/2025 | 09/26/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | 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 | 0.5 | XXXX | 0.5 | No | 85 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 874192 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | XXXX | No | XXXX | XXXX | $1346.04 | $112.17 | $0.00 | $0.00 | $0.00 | $1650.82 |  | 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 | 1.121 | 1.121 |  | 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 | 09/15/2025 | 09/15/2025 |  |  |  | 662 |  |  |  |  |  |  |  |  | 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 | 94.1 | No | 65 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 874194 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | No | XXXX | XXXX | $2092.20 | $174.35 | $471.00 | $39.25 | $0.00 | $2882.71 |  | N/A | XXXX | XX | $39.25 |  | 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 | 1.429 | 1.524 |  | 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 | 10/22/2025 | 10/22/2025 | 10/22/2025 |  |  | 772 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 64.8 | XXXX | 64.8 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 874195 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.500% |  | XXXX | No | XXXX | XXXX | $1777.56 | $148.13 | $1080.00 | $90.00 | $0.00 | $5248.19 | $11379.31 | N/A | XXXX | XX | $90.00 |  | Annually | 0.00% | 39.16% | 39.16% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 128 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/03/2025 | 10/03/2025 |  |  |  | 712 |  |  |  |  |  |  |  |  | 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 | 33.6 | XXXX | 33.6 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 874197 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.125% |  | XXXX | No | XXXX | XXXX | $2094.00 | $174.50 | $744.96 | $62.08 | $0.00 | $1677.06 |  | N/A | XXXX | XX | $62.08 |  | 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 | 1.133 | 1.135 |  | 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 | 10/02/2025 | 10/02/2025 |  |  |  | 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 | No | N/A | XXXX | 40.5 | XXXX | 40.5 | No | 85 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 874198 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No | XXXX | XXXX | $594.96 | $49.58 | $0.00 | $0.00 | $0.00 | $1593.36 |  | 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 | 1.192 | 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 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 | 09/12/2025 | 09/12/2025 | 09/12/2025 |  |  | 730 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 17.4 | XXXX | 17.4 | No | 75 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 874995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/29/2025 | 23 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.999% |  | XXXX | No | XXXX | XXXX | $1436.52 | $119.71 | $3600.00 | $300.00 | $0.00 | $3052.77 |  | N/A | XXXX | XX | $300.00 |  | 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 | 0.753 | 0.75 |  | 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 | 09/19/2025 | 09/19/2025 |  |  |  | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.7 | XXXX | 6.7 | No | 70 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 876590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2025 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.625% |  | XXXX | No | XXXX | XXXX | $2300.04 | $191.67 | $0.00 | $0.00 | $0.00 | $2220.93 | $5146.36 | N/A |  |  | $0.00 |  |  | 0.00% | 47.37% | 47.37% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 08/21/2025 | 08/21/2025 |  |  |  | 671 |  |  |  |  |  |  |  |  | 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 | 2.2 | XXXX | 30.4 | No | 75 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 876591 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 14799.1 | 11/10/2025 | 6.260% |  |  | No | 7.413% |  | 7.250% |  | XXXX | No | XXXX | XXXX | $6742.92 | $561.91 | $2232.00 | $186.00 | $0.00 | $9721.14 | $42525.11 | N/A | XXXX | XX | $186.00 |  | Monthly | 0.00% | 23.65% | 23.65% | 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% | 80.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/30/2025 | 10/30/2025 |  |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | Permanent Resident Card | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.5 | XXXX | 3.9 | No | 79.9 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 876592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.375% |  | XXXX | No | XXXX | XXXX | $897.96 | $74.83 | $2199.96 | $183.33 | $0.00 | $2368.36 |  | N/A | XXXX | XX | $183.33 | 01/01/2026 | 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 | 1.393 | 1.298 |  | 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 | 08/04/2025 | 08/04/2025 |  |  |  | 686 |  |  |  |  |  |  |  |  | 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 | 60.8 | XXXX | 60.8 | No | 36.63 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 876593 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 18000.92 | 11/10/2025 | 6.260% |  |  | No | 7.374% |  | 7.125% |  | XXXX | No | XXXX | XXXX | $1644.96 | $137.08 | $0.00 | $0.00 | $0.00 | $3880.35 | $8767.33 | N/A |  |  | $0.00 |  |  | 0.00% | 38.68% | 38.68% | No | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 2 | NA | 1 Month | N/A | 0 | Missing | 9 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | Yes | 120 | 24 | Other | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 09/15/2025 | 09/15/2025 | 09/15/2025 |  |  | 751 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 57.9 | XXXX | 57.9 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 876596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | XXXX | No | XXXX | XXXX | $1341.00 | $111.75 | $0.00 | $0.00 | $0.00 | $1817.35 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.321 | 1.321 |  | 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 | 09/19/2025 | 09/19/2025 |  |  |  | 665 |  |  |  |  |  |  |  |  | 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 | 6 | XXXX | 6 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 879385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 17070 | 11/10/2025 | 6.260% |  |  | No | 7.080% |  | 6.990% |  | XXXX | No | XXXX | XXXX | $1085.16 | $90.43 | $0.00 | $0.00 | $0.00 | $4535.18 | $8378.04 | N/A |  |  | $0.00 |  |  | 0.00% | 35.25% | 35.25% | 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 |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 33 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/22/2025 | 10/22/2025 |  |  |  | 694 |  |  |  |  |  |  |  |  | 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 | N/A | N/A |  | XX | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.4 | XXXX | 6.4 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 882694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 18558.75 | 11/10/2025 | 6.260% |  |  | No | 7.985% |  | 7.625% |  | XXXX | No | XXXX | XXXX | $3928.44 | $327.37 | $6000.00 | $500.00 | $0.00 | $5468.71 | $14574.03 | Yes | XXXX | XX | $500.00 |  | Monthly | 0.00% | 33.93% | 33.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 NA | Yes | No | 60 | No | Yes | Yes | 3 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 9 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, SESoleProprietor, Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - ["2023","2024"] - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/22/2025 | 09/22/2025 |  |  |  | 800 |  |  |  |  |  |  |  |  | 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 | 31 | XXXX | 31 | No | 90 | Yes | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 882695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 15535 | 11/10/2025 | 6.260% |  |  | No | 8.147% |  | 8.000% |  | XXXX | No | XXXX | XXXX | $1842.00 | $153.50 | $0.00 | $0.00 | $0.00 | $3731.21 | $8657.38 | N/A |  |  | $0.00 |  |  | 0.00% | 36.38% | 36.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/03/2025 | 09/03/2025 |  |  |  | 710 |  |  |  |  |  |  |  |  | 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 | 64.7 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 882696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | XXXX | No | XXXX | XXXX | $1317.96 | $109.83 | $5100.00 | $425.00 | $0.00 | $3976.60 |  | N/A | XXXX | XX | $425.00 |  | 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 | 0.868 | 0.868 |  | 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 | 09/12/2025 | 09/12/2025 |  |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | 14.7 | No | 67.14 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 882698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No | XXXX | XXXX | $4502.16 | $375.18 | $0.00 | $0.00 | $0.00 | $2390.47 |  | 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 | 1.255 | 1.255 |  | 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 | 10/30/2025 | 10/30/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | 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 | 86 | XXXX | 86 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 882701 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10675 | 11/10/2025 | 6.260% | Manual Underwriting |  | No | 7.650% |  | 7.250% |  | XXXX | No | XXXX | XXXX | $2085.96 | $173.83 | $11040.00 | $920.00 | $0.00 | $3616.16 | $4668.09 | Yes | XXXX | XX | $920.00 | 01/01/2026 | Monthly | 0.00% | 43.92% | 43.92% | 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 | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/01/2025 | 10/01/2025 |  |  |  | 785 |  |  |  |  |  |  |  |  | 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 | 1.3 | XXXX | 21 | No | 80 | Yes | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 884648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.125% |  | XXXX | No | XXXX | XXXX | $3133.20 | $261.10 | $500.04 | $41.67 | $0.00 | $6854.84 |  | N/A | XXXX | XX | $41.67 |  | 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 | 1.06 | 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 | 09/12/2025 | 09/12/2025 |  |  |  | 717 |  |  |  |  |  |  |  |  | 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 | 24 | XXXX | 24 | No | 85 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 884649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No | XXXX | XXXX | $2538.96 | $211.58 | $0.00 | $0.00 | $0.00 | $4579.63 |  | 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 | 1.135 | 1.135 |  | 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 | 10/06/2025 | 10/06/2025 |  |  |  | 763 |  |  |  |  |  |  |  |  | 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 | .00 | 0 | No | 77.88 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 884654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1330.68 | $110.89 | $0.00 | $0.00 | $0.00 | $2530.83 |  | 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 | 1.264 | 1.264 |  | 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 | 10/20/2025 | 10/20/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  | 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 | 9.4 | XXXX | 9.4 | No | 85 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 884656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 16547.5 | 11/17/2025 | 6.230% |  |  | No | 7.878% |  | 7.750% |  | XXXX | No | XXXX | XXXX | $2493.96 | $207.83 | $24.96 | $2.08 | $0.00 | $4852.12 | $291380.33 | N/A | XXXX | XX | $2.08 |  | Annually | 0.00% | 3.29% | 3.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/03/2025 | 11/03/2025 |  |  |  | 640 |  |  |  |  |  |  |  |  | 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 | 4.5 | XXXX | 4.5 | No | 79.74 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 884658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No | XXXX | XXXX | $1809.96 | $150.83 | $0.00 | $0.00 | $0.00 | $1279.37 |  | 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 | 1.172 | 1.172 |  | 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 | 10/27/2025 | 10/27/2025 |  |  |  | 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 | Unknown | N/A | .00 | 0 | XXXX | 95.9 | No | 70 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 886510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 3902.85 | 11/17/2025 | 6.230% |  |  | No | 8.379% |  | 7.750% |  | XXXX | No | XXXX | XXXX | $2052.96 | $171.08 | $0.00 | $0.00 | $0.00 | $999.63 | $6500.37 | N/A |  |  | $0.00 |  |  | 0.00% | 23.95% | 23.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 28 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/30/2025 | 10/30/2025 |  |  |  | 635 |  |  |  |  |  |  |  |  | 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 | 62.6 | No | 70 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 886512 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7045 | 11/10/2025 | 6.260% |  |  | No | 7.721% |  | 7.500% |  | XXXX | No | XXXX | XXXX | $3693.36 | $307.78 | $1944.00 | $162.00 | $0.00 | $4264.35 | $9444.70 | N/A | XXXX | XX | $162.00 | 12/03/2025 | Monthly | 0.00% | 31.58% | 31.58% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/10/2025 | 11/10/2025 | 11/10/2025 |  |  | 710 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.6 | XXXX | 17.2 | No | 90 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 886516 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.250% |  | XXXX | No | XXXX | XXXX | $1360.44 | $113.37 | $0.00 | $0.00 | $0.00 | $2147.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.024 | 1.024 |  | 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 | 11/25/2025 | 11/25/2025 |  |  |  | 637 |  |  |  |  |  |  |  |  | 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 | 29.4 | XXXX | 29.4 | No | 65 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 888035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/29/2025 | 23 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No | XXXX | XXXX | $776.04 | $64.67 | $25572.00 | $2131.00 | $0.00 | $7085.01 |  | Yes | XXXX | XX | $2131.00 |  | 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 | 1.971 | 1.92 |  | 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 | 10/13/2025 | 10/13/2025 | 10/13/2025 |  |  | 780 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Lease Hold | XX/XX/XXXX | No | No | N/A | XXXX | 39.3 | XXXX | 39.3 | No | 75 | No | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 889316 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 10 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | No | XXXX | XXXX | $2445.00 | $203.75 | $0.00 | $0.00 | $0.00 | $2744.72 |  | 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 | 1.652 | 1.652 |  | 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 | 10/27/2025 | 10/27/2025 | 10/27/2025 |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | I-551 | N/A | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.7 | XXXX | 7.7 | No | 70 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 889317 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 17867.5 | 11/24/2025 | 6.260% | Manual Underwriting | Out of Scope | No | 7.860% |  | 7.500% | 7.500% | XXXX | No | XXXX | XXXX | $3746.04 | $312.17 | $600.00 | $50.00 | $0.00 | $4675.41 | $7648.75 | N/A | XXXX | XX | $50.00 |  | Annually | 40.41% | 40.80% | 40.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/03/2025 | 11/03/2025 |  |  |  | 691 |  |  |  |  |  |  |  |  | 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 | 59.5 | No | 79.21 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 889322 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 12 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 10757.5 | 11/17/2025 | 6.230% |  |  | No | 8.116% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1626.96 | $135.58 | $0.00 | $0.00 | $0.00 | $4185.00 | $9300.32 | N/A |  |  | $0.00 |  |  | 0.00% | 46.55% | 46.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/10/2025 | 11/10/2025 |  |  |  | 692 |  |  |  |  |  |  |  |  | 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 | 0.2 | XXXX | 14.1 | No | 75 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 891271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1959.96 | $163.33 | $500.04 | $41.67 | $0.00 | $4601.71 |  | N/A | XXXX | XX | $41.67 | 01/01/2026 | 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% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.737 | 1.737 |  | Borrower - , Subject Property Net Rental Income(Loss) if NOO - 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 | 09/25/2025 | 09/25/2025 |  |  |  | 773 |  |  |  |  |  |  |  |  | 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 | 44.4 | XXXX | 44.4 | No | 85 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 891281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | XXXX | No | XXXX | XXXX | $1645.44 | $137.12 | $0.00 | $0.00 | $0.00 | $4036.64 |  | 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 | 1.239 | 1.095 |  | 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 | 11/06/2025 | 11/06/2025 |  |  |  | 666 |  |  |  |  |  |  |  |  | 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 | 5.3 | XXXX | 17.6 | No | 70 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 893053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 20255.36 | 11/17/2025 | 6.230% |  |  | No | 7.311% |  | 6.875% |  | XXXX | No | XXXX | XXXX | $2883.00 | $240.25 | $1299.96 | $108.33 | $0.00 | $6650.74 | $45810.24 | N/A | XXXX | XX | $108.33 |  | Annually | 0.00% | 18.12% | 18.12% | 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 |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 45 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/02/2025 | 09/02/2025 |  |  |  | 659 |  |  |  |  |  |  |  |  | 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 | 19.1 | XXXX | 19.1 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 893054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | XXXX | No | XXXX | XXXX | $2787.96 | $232.33 | $500.04 | $41.67 | $0.00 | $4362.92 |  | N/A | XXXX | XX | $41.67 | 12/05/2026 | 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 | 1.274 | 1.274 |  | 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 | 09/16/2025 | 09/16/2025 |  |  |  | 753 |  |  |  |  |  |  |  |  | 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 | 4.2 | XXXX | 4.2 | No | 85 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 893057 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 23497 | 11/17/2025 | 6.230% |  |  | No | 8.162% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $4784.04 | $398.67 | $0.00 | $0.00 | $0.00 | $8288.21 | $16907.79 | N/A |  |  | $0.00 |  |  | 0.00% | 32.96% | 32.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/29/2025 | 10/29/2025 |  |  |  | 707 |  |  |  |  |  |  |  |  | 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 | 16.4 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 896108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1836.96 | $153.08 | $0.00 | $0.00 | $0.00 | $1799.55 |  | 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 | 1.445 | 1.445 |  | 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 | 09/11/2025 | 09/11/2025 |  |  |  | 668 |  |  |  |  |  |  |  |  | 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 | 4.1 | XXXX | 4.1 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 896110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.375% |  | XXXX | No | XXXX | XXXX | $1239.00 | $103.25 | $0.00 | $0.00 | $0.00 | $1870.28 |  | 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 | 1.23 |  | 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 | 09/22/2025 | 09/22/2025 |  |  |  | 664 |  |  |  |  |  |  |  |  | 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 | 58.1 | No | 46.58 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 896111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 26217.93 | 12/01/2025 | 6.190% |  |  | No | 8.216% |  | 7.750% |  | XXXX | No | XXXX | XXXX | $6414.12 | $534.51 | $0.00 | $0.00 | $0.00 | $5434.70 | $14586.48 | N/A |  |  | $0.00 |  |  | 0.00% | 42.47% | 42.47% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 12 | 0 | 60.81% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | Yes | 63 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/13/2025 | 11/13/2025 | 10/15/2025 |  |  | 689 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 20.8 | XXXX | 20.8 | No | 90 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 896113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No | XXXX | XXXX | $558.00 | $46.50 | $0.00 | $0.00 | $0.00 | $1021.35 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.616 | 1.615 |  | 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 | 09/30/2025 | 09/30/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 33.9 | XXXX | 33.9 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 896114 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 14957.5 | 12/01/2025 | 6.190% |  |  | No | 8.218% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $2334.72 | $194.56 | $0.00 | $0.00 | $0.00 | $4202.43 | $47594.71 | N/A |  |  | $0.00 |  |  | 0.00% | 21.28% | 21.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 10/23/2025 | 10/23/2025 |  |  |  | 639 |  |  |  |  |  |  |  |  | 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 | 1.1 | XXXX | 25.1 | No | 70 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 896117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11213.5 | 11/17/2025 | 6.230% |  |  | No | 7.460% |  | 7.250% |  | XXXX | No | XXXX | XXXX | $1859.04 | $154.92 | $0.00 | $0.00 | $0.00 | $4640.70 | $20930.41 | N/A |  |  | $0.00 |  |  | 0.00% | 32.53% | 32.53% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 0.00% | 100.00% | 100.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | Yes | 12 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/22/2025 | 08/22/2025 | 08/29/2025 |  |  | 651 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5 | XXXX | 5 | No | 79.99 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 896119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.375% |  | XXXX | No | XXXX | XXXX | $2718.00 | $226.50 | $0.00 | $0.00 | $0.00 | $4987.63 | $18722.94 | N/A |  |  | $0.00 |  |  | 0.00% | 35.04% | 35.04% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 60.00% | 40.00% |  | Third-Party Prepared (Unaudited) | 24 | CPA | Third-Party Prepared (Unaudited) | CPA | 24 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/22/2025 | 10/22/2025 | 10/22/2025 |  |  | 724 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 9.5 | XXXX | 9.5 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 898350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11650 | 11/17/2025 | 6.230% |  |  | No | 7.918% |  | 7.750% |  | XXXX | No | XXXX | XXXX | $1744.08 | $145.34 | $0.00 | $0.00 | $0.00 | $2271.40 | $7445.11 | N/A |  |  | $0.00 |  |  | 0.00% | 39.21% | 39.21% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 6 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 11/05/2025 | 11/05/2025 | 11/05/2025 |  |  | 653 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 43.3 | No | 70 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 898354 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | XXXX | No | XXXX | XXXX | $6978.96 | $581.58 | $0.00 | $0.00 | $0.00 | $7413.96 |  | 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 | 1.307 | 1.307 |  | 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 | 09/17/2025 | 09/17/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | 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 |  | Employment Authorization Card |  | XX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.4 | XXXX | 1.4 | No | 85 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 898357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 12141.99 | 11/10/2025 | 6.260% |  |  | No | 8.854% |  | 8.375% |  | XXXX | No | XXXX | XXXX | $944.04 | $78.67 | $7848.00 | $654.00 | $0.00 | $3876.13 | $6676.45 | Yes | XXXX | XX | $654.00 |  | Monthly | 0.00% | 37.12% | 37.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 99 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 11/06/2025 | 11/06/2025 |  |  |  | 733 |  |  |  |  |  |  |  |  | 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 | 6.3 | XXXX | 6.3 | No | 85 | No | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 898359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXXX | No | XXXX | XXXX | $992.76 | $82.73 | $948.00 | $79.00 | $0.00 | $2191.47 | $5120.18 | N/A | XXXX | XX | $79.00 | 01/01/2026 | Annually | 0.00% | 46.95% | 46.95% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/09/2025 | 10/09/2025 |  |  |  | 643 |  |  |  |  |  |  |  |  | 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 | 6.5 | XXXX | 6.5 | No | 80 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 898361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 11595 | 11/17/2025 | 6.230% |  |  | No | 8.188% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1647.96 | $137.33 | $0.00 | $0.00 | $0.00 | $4057.18 | $12667.86 | N/A |  |  | $0.00 |  |  | 0.00% | 33.80% | 33.80% | 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 | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/06/2025 | 10/06/2025 |  |  |  | 728 |  |  |  |  |  |  |  |  | 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 | 15.1 | XXXX | 15.1 | No | 90 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 900224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10754.38 | 11/17/2025 | 6.230% |  |  | No | 7.451% |  | 7.250% |  | XXXX | No | XXXX | XXXX | $4194.60 | $349.55 | $0.00 | $0.00 | $0.00 | $5924.28 | $21443.24 | N/A |  |  | $0.00 |  |  | 0.00% | 47.68% | 47.68% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR 1099 | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/12/2025 | 11/12/2025 |  |  |  | 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 | No | N/A | XXXX | 20.7 | XXXX | 86.1 | No | 85 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 900225 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | XXXX | No | XXXX | XXXX | $2381.04 | $198.42 | $0.00 | $0.00 | $0.00 | $4304.86 |  | 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 | 1.272 | 1.884 |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.7 | XXXX | 12.7 | No | 75 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 900231 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9695 | 11/17/2025 | 6.230% |  |  | No | 7.489% |  | 7.125% |  | XXXX | No | XXXX | XXXX | $699.96 | $58.33 | $324.00 | $27.00 | $0.00 | $2541.92 | $3311.08 | N/A | XXXX | XX | $27.00 |  | Monthly | 0.00% | 44.82% | 44.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/27/2025 | 10/27/2025 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXXX | XXXX | XX | XX |  |  | 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 | 10.3 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 900232 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11184.5 | 10/27/2025 | 6.160% |  |  | No | 7.720% |  | 7.375% |  | XXXX | No | XXXX | XXXX | $1584.00 | $132.00 | $0.00 | $0.00 | $0.00 | $2633.94 | $8090.50 | N/A |  |  | $0.00 |  |  | 0.00% | 30.86% | 30.86% | 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 - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/21/2025 | 10/21/2025 |  |  |  | 627 |  |  |  |  |  |  |  |  | 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 | 3.2 | XXXX | 20.6 | No | 56.98 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 903335 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No | XXXX | XXXX | $4308.96 | $359.08 | $0.00 | $0.00 | $0.00 | $3184.90 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | 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 | 1.884 | 1.884 |  | 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 | 12/04/2025 | 12/04/2025 |  |  |  | 655 |  |  |  |  |  |  |  |  | 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 | 84 | No | 60 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 903342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7290 | 11/17/2025 | 6.230% |  |  | No | 8.748% |  | 8.500% |  | XXXX | No | XXXX | XXXX | $3208.08 | $267.34 | $0.00 | $0.00 | $0.00 | $3817.75 | $15751.34 | N/A |  |  | $0.00 |  |  | 0.00% | 28.11% | 28.11% | 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 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/04/2025 | 12/04/2025 |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | N/A | Permanent Resident Card | XX | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.7 | XXXX | 13.7 | No | 90 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 905897 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | XXXX | No | XXXX | XXXX | $4735.44 | $394.62 | $500.04 | $41.67 | $0.00 | $6303.52 |  | N/A | XXXX | XX | $41.67 |  | 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 | 1.271 | 1.279 |  | 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 | 09/06/2025 | 09/06/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | 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 | 6.8 | XXXX | 6.7 | No | 85 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 905899 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Loan Term Exceeds 30 Years | 21501.25 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | 7.599% |  | 7.375% |  | XXXX | No | XXXX | XXXX | $3774.96 | $314.58 | $1380.00 | $115.00 | $0.00 | $7629.15 | $8547.09 | N/A | XXXX | XX | $115.00 |  | Monthly | 0.00% | 51.98% | 51.98% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | Yes | 3 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 5 | 5 | Other | Yes | 123 | 123 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/21/2025 | 10/21/2025 | 10/21/2025 |  |  | 645 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 127.8 | XXXX | 127.8 | No | 63.67 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 911761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | No | XXXX | XXXX | $1371.00 | $114.25 | $1463.04 | $121.92 | $0.00 | $3210.56 |  | N/A | XXXX | XX | $121.92 |  | 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 | 1.028 | 1.028 |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | N/A |  |  | Foreign National | Foreign National | N/A | Passport |  | N/A | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.8 | XXXX | 4.8 | No | 70 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 911763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Loan Term Exceeds 30 Years | 2095 | 11/17/2025 | 6.230% |  |  | No | 7.309% |  | 7.250% |  | XXXX | No | XXXX | XXXX | $1361.16 | $113.43 | $0.00 | $0.00 | $0.00 | $3839.12 | $5136.63 | N/A |  |  | $0.00 |  |  | 0.00% | 48.93% | 48.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Primary Residence Rent Income - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/05/2025 | 11/05/2025 |  |  |  | 707 |  |  |  |  |  |  |  |  | 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 | 3.4 | XXXX | 4.7 | No | 79.99 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 911764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 8788.75 | 12/08/2025 | 6.220% |  |  | No | 7.785% |  | 7.375% |  | XXXX | No | XXXX | XXXX | $4034.88 | $336.24 | $485.04 | $40.42 | $0.00 | $2758.13 | $12464.00 | N/A | XXXX | XX | $40.42 |  | Annually | 0.00% | 20.14% | 20.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/21/2025 | 10/21/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | 13.3 | XXXX | 13.3 | No | 90 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 911767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.125% |  | XXXX | No | XXXX | XXXX | $3311.04 | $275.92 | $0.00 | $0.00 | $0.00 | $12313.22 | $62048.69 | N/A |  |  | $0.00 |  |  | 0.00% | 36.38% | 36.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/24/2025 | 11/24/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | 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 | 33.9 | XXXX | 33.9 | No | 75 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 911771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13695 | 12/01/2025 | 6.190% |  |  | No | 7.445% |  | 7.125% |  | XXXX | No | XXXX | XXXX | $1209.96 | $100.83 | $2280.00 | $190.00 | $0.00 | $4958.82 | $9721.18 | N/A | XXXX | XX | $190.00 |  | Monthly | 0.00% | 42.54% | 42.54% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/16/2025 | 10/16/2025 | 10/16/2025 |  |  | 710 |  |  |  |  |  |  |  |  | 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 |  |  | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  | N/A |  | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.3 | XXXX | 14.3 | No | 79.45 | Yes | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 911776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7095 | 12/01/2025 | 6.190% |  |  | No | 7.478% |  | 7.375% |  | XXXX | No | XXXX | XXXX | $1419.96 | $118.33 | $0.00 | $0.00 | $0.00 | $6835.43 | $9618.99 | N/A |  |  | $0.00 |  |  | 0.00% | 44.21% | 44.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/04/2025 | 12/04/2025 |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | Permanent Resident Card | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 8.7 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 914651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 4644 | 11/17/2025 | 6.230% |  |  | No | 8.205% |  | 8.000% |  | XXXX | No | XXXX | XXXX | $3543.00 | $295.25 | $0.00 | $0.00 | $0.00 | $2342.49 | $13584.88 | N/A |  |  | $0.00 |  |  | 0.00% | 35.23% | 35.23% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/13/2025 | 11/13/2025 | 11/13/2025 |  |  | 624 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 98.3 | No | 70 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 914652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 25364.92 | 12/01/2025 | 6.190% |  |  | No | 7.136% |  | 6.875% |  | XXXX | No | XXXX | XXXX | $748.08 | $62.34 | $6384.00 | $532.00 | $0.00 | $8671.15 | $11458.49 | Yes | XXXX | XX | $532.00 |  | Monthly | 0.00% | 48.15% | 48.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 110 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/18/2025 | 10/18/2025 |  |  |  | 777 |  |  |  |  |  |  |  |  | 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 | 9.4 | XXXX | 9.4 | No | 85 | Yes | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 914654 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 21521.67 | 12/08/2025 | 6.220% |  |  | No | 9.475% |  | 9.125% |  | XXXX | No | XXXX | XXXX | $3618.48 | $301.54 | $0.00 | $0.00 | $0.00 | $8776.33 | $10824.67 | N/A |  |  | $0.00 |  |  | 0.00% | 45.35% | 45.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/01/2025 | 10/01/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | 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 | 10.6 | XXXX | 10.6 | No | 85 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 914657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 11876.28 | 12/08/2025 | 6.220% |  |  | No | 8.943% |  | 8.500% |  | XXXX | No | XXXX | XXXX | $1710.96 | $142.58 | $975.00 | $81.25 | $0.00 | $3252.69 | $4905.71 | N/A | XXXX | XX | $81.25 | 02/01/2026 | Annually | 0.00% | 43.94% | 43.94% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 33 | Yes | 33 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/19/2025 | 11/19/2025 | 11/19/2025 |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.1 | XXXX | 15.1 | No | 90 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 917288 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | XXXX | No | XXXX | XXXX | $825.24 | $68.77 | $0.00 | $0.00 | $0.00 | $1670.73 |  | 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 | 1.257 | 1.257 |  | 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 | 10/28/2025 | 10/28/2025 |  |  |  | 639 |  |  |  |  |  |  |  |  | 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 | 93.1 | No | 52.63 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 919205 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9126.25 | 11/17/2025 | 6.230% | Manual Underwriting |  | No | 7.796% |  | 7.375% |  | XXXX | No | XXXX | XXXX | $777.00 | $64.75 | $1200.00 | $100.00 | $0.00 | $2197.69 | $12683.90 | N/A | XXXX | XX | $100.00 |  | Monthly | 0.00% | 22.40% | 22.40% | 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 | 97 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/13/2025 | 11/13/2025 |  |  |  | 642 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | 3 | XXXX | 3 | No | 75 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 920874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | XXXX | No | XXXX | XXXX | $4167.84 | $347.32 | $0.00 | $0.00 | $0.00 | $3559.17 |  | 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 | 2.752 | 2.752 |  | 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 | 11/03/2025 | 11/03/2025 |  |  |  | 622 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | XX | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.5 | XXXX | 4.5 | No | 65 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 924281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | XXXX | No | XXXX | XXXX | $2374.08 | $197.84 | $0.00 | $0.00 | $0.00 | $5246.29 |  | 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 | 1.109 | 1.109 |  | 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 | 11/25/2025 | 11/25/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | 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 | 19.4 | XXXX | 19.4 | No | 85 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 926496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 5639.34 | 11/03/2025 | 6.170% |  |  | No | 7.927% |  | 7.625% |  | XXXX | No | XXXX | XXXX | $849.00 | $70.75 | $840.00 | $70.00 | $0.00 | $2675.28 | $6482.20 | N/A | XXXX | XX | $70.00 | 01/01/2027 | Annually | 0.00% | 45.03% | 45.03% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/30/2025 | 10/30/2025 | 10/30/2025 |  |  | 730 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.7 | XXXX | 10.7 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 929103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | XXXX | No | XXXX | XXXX | $1178.40 | $98.20 | $0.00 | $0.00 | $0.00 | $6023.79 | $9291.03 | N/A |  |  | $0.00 |  |  | 0.00% | 49.91% | 49.91% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/22/2025 | 09/22/2025 |  |  |  | 668 |  |  |  |  |  |  |  |  | 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 | 0.8 | XXXX | 1.5 | No | 75 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A | XXXX |  |  |  |
| 932648 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.875% |  | XXXX | No | XXXX | XXXX | $1427.52 | $118.96 | $399.96 | $33.33 | $0.00 | $2251.95 | $10443.94 | N/A | XXXX | XX | $33.33 |  | Annually | 0.00% | 35.29% | 35.29% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/12/2025 | 12/12/2025 |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | .00 | 0 | No | 70 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 940508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6608.57 | 12/22/2025 | 6.250% | Manual Underwriting |  | No | 7.223% |  | 6.875% |  | XXXX | No | XXXX | XXXX | $1635.96 | $136.33 | $0.00 | $0.00 | $0.00 | $1912.08 | $8920.09 | N/A |  |  | $0.00 |  |  | 0.00% | 21.36% | 21.36% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | N/A | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/15/2025 | 11/15/2025 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | XX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.1 | XXXX | 11.1 | No | 85 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 940509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.250% |  | XXXX | No | XXXX | XXXX | $3561.96 | $296.83 | $0.00 | $0.00 | $0.00 | $18522.13 | $114000.43 | N/A |  |  | $0.00 |  |  | 0.00% | 39.95% | 39.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, 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), Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/11/2025 | 11/11/2025 |  |  |  | 714 |  |  |  |  |  |  |  |  | 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 | 8.1 | XXXX | 8.1 | No | 85 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 945454 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 14154.58 | 12/22/2025 | 6.250% | Manual Underwriting |  | No | 8.827% |  | 8.375% |  | XXXX | No | XXXX | XXXX | $2008.80 | $167.40 | $609.00 | $50.75 | $0.00 | $3721.19 | $5162.85 | N/A | XXXX | XX | $50.75 |  | Annually | 0.00% | 48.60% | 48.60% | 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% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 34 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/02/2025 | 12/02/2025 |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | N/A |  |  |  | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13 | XXXX | 13 | No | 90 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 945458 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10685.15 | 12/08/2025 | 6.220% | Manual Underwriting |  | No | 8.105% |  | 7.625% |  | XXXX | No | XXXX | XXXX | $1100.04 | $91.67 | $264.00 | $22.00 | $0.00 | $2334.46 | $3582.93 | N/A | XXXX | XX | $22.00 |  | Annually | 0.00% | 44.23% | 44.23% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 120 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/07/2025 | 11/07/2025 |  |  |  | 634 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 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 | 30.8 | XXXX | 30.8 | No | 80 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 955442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/12/2026 | 14 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 21637.75 | 12/08/2025 | 6.220% | Manual Underwriting |  | No | 7.508% |  | 7.375% | 7.375% | XXXX | No | XXXX | XXXX | $8204.04 | $683.67 | $3900.00 | $325.00 | $0.00 | $15902.77 | $37871.73 | Yes | XXXX | XX | $325.00 | 02/01/2026 | Monthly | 0.00% | 32.34% | 32.34% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/16/2025 | 12/16/2025 |  |  |  | 754 |  |  |  |  |  |  |  |  | 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 | XXXX | 6 | No | 79.78 | Yes | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 955446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11095 | 12/22/2025 | 6.250% | Manual Underwriting |  | No | 7.683% |  | 7.375% | 7.375% | XXXX | No | XXXX | XXXX | $5343.00 | $445.25 | $0.00 | $0.00 | $0.00 | $3763.06 | $4843.40 | N/A |  |  | $0.00 |  |  | 0.00% | 43.72% | 43.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | Yes | N/A | 12 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/08/2025 | 12/08/2025 |  |  |  | 662 |  |  |  |  |  |  |  |  | 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 | 50.6 | No | 75 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 955447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1790.52 | $149.21 | $0.00 | $0.00 | $0.00 | $7346.77 | $22058.08 | N/A |  |  | $0.00 |  |  | 0.00% | 45.01% | 45.01% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/10/2025 | 12/10/2025 |  |  |  | 743 |  |  |  |  |  |  |  |  | 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 | N/A | Other |  | XX | XXXX |  |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.9 | XXXX | 10.9 | No | 85 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 959697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 11095 | 12/29/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 6.998% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | $1878.96 | $156.58 | $0.00 | $0.00 | $0.00 | $4302.20 | $10732.39 | N/A |  |  | $0.00 |  |  | 0.00% | 36.81% | 36.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/10/2025 | 11/10/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | 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 | 88.2 | No | 36.36 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 961953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 13851.25 | 12/29/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 8.479% |  | 8.000% | 8.000% | XXXX | No | XXXX | XXXX | $1231.08 | $102.59 | $0.00 | $0.00 | $0.00 | $3386.05 | $9246.72 | N/A |  |  | $0.00 |  |  | 0.00% | 33.40% | 33.40% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/10/2025 | 11/10/2025 | 11/10/2025 |  |  | 727 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.6 | XXXX | 14.6 | No | 90 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 963103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 19945 | 12/22/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.371% |  | 7.250% | 7.250% | XXXX | No | XXXX | XXXX | $3663.96 | $305.33 | $1500.00 | $125.00 | $0.00 | $13493.73 | $54023.57 | N/A | XXXX | XX | $125.00 |  | Monthly | 0.00% | 37.94% | 37.94% | Yes |  |  |  |  |  |  |  | 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 |  |  |  | 0.00% | 100.00% |  |  |  | 0 |  |  |  |  | Yes | 66 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, null YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/02/2025 | 10/02/2025 |  |  |  | 731 |  |  |  |  |  |  |  |  | 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 | 11.7 | XXXX | 11.7 | No | 85 | N/A | No | No | No | Unknown | N/A | N/A | N/A | XXXX |  |  |  |
| 973451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4138.5 | 01/05/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.333% |  | 6.875% | 6.875% | XXXX | No | XXXX | XXXX | $2975.64 | $247.97 | $0.00 | $0.00 | $0.00 | $1824.71 | $2874.17 | N/A |  |  | $0.00 |  |  | 0.00% | 48.01% | 48.01% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/09/2025 | 12/09/2025 | 12/09/2025 |  |  | 741 |  |  |  |  |  |  |  |  | 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 |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 43.1 | No | 55.31 | N/A | No | No | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 985849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 25363.32 | 12/29/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 8.010% |  | 7.750% | 7.750% | XXXX | No | XXXX | XXXX | $2767.92 | $230.66 | $995.04 | $82.92 | $0.00 | $6574.93 | $12554.12 | N/A | XXXX | XX | $82.92 | 01/01/2027 | Annually | 0.00% | 42.83% | 42.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/20/2025 | 10/20/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Permanent Resident | XX | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXX | 11 | No | 80 | N/A | No | Yes | No | Unknown | N/A | N/A | N/A |  |  |  |  |
| 990543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.875% |  | XXXX | No | XXXX | XXXX | $984.48 | $82.04 | $0.00 | $0.00 | $0.00 | $3848.88 | $26798.29 | N/A |  |  | $0.00 |  |  | 0.00% | 39.80% | 39.80% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/03/2025 | 12/03/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | 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 | 30.7 | No | 75 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A |  |  |  |  |
| 1010278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/28/2025 | 13 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.625% |  | XXXX | No | XXXX | XXXX | $3751.56 | $312.63 | $6804.00 | $567.00 | $0.00 | $9358.44 |  | N/A | XXXX | XX | $567.00 |  | 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 | 1.197 | 1.197 |  | 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 | 12/04/2025 | 12/04/2025 |  |  |  | 750 |  |  |  |  |  |  |  |  | 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 | 104.4 | No | 33.9 | N/A | No | No | Yes | Unknown | N/A | N/A | N/A | XXXX |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_002.jpg)

PRPM 2026-NQM2<br>

![](ex99-4_001.jpg)

**April 09, 2026<br> Due Diligence Narrative Report**

![](ex99-4_002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 6 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 8 |
| &nbsp;&nbsp;&nbsp;Data Capture | 8 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

 ****

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 1 April 09, 2026

![](ex99-4_002.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-5_004.jpg) | **Michael Santarsiere** | Client Service Director |

---

Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u>

---

| | | |
|:---|:---|:---|
| ![](ex99-5_004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |

---

Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u>

**Overview**

Clayton Services LLC (Clayton") conducted an independent third-party pre-securitization due diligence review of 209 residential loans selected for the PRPM 2026-NQM2 transaction. The loans referenced in this narrative report were reviewed on a flow basis from May 2025 to March 2026. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review. The population of 209 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 183 | 87.56% |
| Correspondent Bulk | 1 | 0.48% |
| Retail | 25 | 11.96% |
| **Total** | **209** | **100.00%** |

---

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 2 April 09, 2026

![](ex99-4_002.jpg)

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

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

Sampling

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

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by<br> Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;209 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;209 |  |

---

Sponsor Acquisition Criteria

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

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

Loan Grading

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

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 3 April 09, 2026

![](ex99-4_002.jpg)

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

![](ex99-4_003.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 209 loans in this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

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

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

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

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

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

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

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

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

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

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

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

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

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 4 April 09, 2026

![](ex99-4_002.jpg)

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (209 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (209 loans)

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

● CU Score

● AVM

● Desk Review

● Field Review

● Second Full Appraisal

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

Regulatory Compliance Review

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u> and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed
 compliance with state specific consumer protection laws by testing late charge and prepayment
 penalty provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 5 April 09, 2026

![](ex99-4_002.jpg)

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

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

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

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

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

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

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

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 6 April 09, 2026

![](ex99-4_002.jpg)

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payments

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

Data Integrity

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

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

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

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

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

Data Capture

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

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 7 April 09, 2026

**Data Compare Results**

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Borrower 1 First Name | 1 | 99.52% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | 5 | 97.61% |
| &nbsp;&nbsp;Borrower 1 Total Income | 7 | 96.65% |
| &nbsp;&nbsp;Borrower 2 First Name | 1 | 99.52% |
| &nbsp;&nbsp;Cash Reserves | 79 | 62.20% |
| &nbsp;&nbsp;Combined LTV | 32 | 84.69% |
| &nbsp;&nbsp;Credit Report Date | 13 | 93.78% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 6 | 97.13% |
| &nbsp;&nbsp;Disbursement Date | 13 | 93.78% |
| &nbsp;&nbsp;Documentation Type | 2 | 99.04% |
| &nbsp;&nbsp;DTI Qualifying (Back) | 3 | 98.56% |
| &nbsp;&nbsp;Ever in Foreclosure | 1 | 99.52% |
| &nbsp;&nbsp;Loan Purpose | 2 | 99.04% |
| &nbsp;&nbsp;Months Reserves | 76 | 63.64% |
| &nbsp;&nbsp;Note Rate | 1 | 99.52% |
| &nbsp;&nbsp;Original Appraisal Date | 8 | 96.17% |
| &nbsp;&nbsp;Original Appraised Value | 8 | 96.17% |
| &nbsp;&nbsp;Original LTV | 3 | 98.56% |
| &nbsp;&nbsp;Origination Date | 1 | 99.52% |
| &nbsp;&nbsp;Product Type | 11 | 94.74% |
| &nbsp;&nbsp;Property City | 2 | 99.04% |
| &nbsp;&nbsp;Property Street Address | 1 | 99.52% |
| &nbsp;&nbsp;Property Type | 14 | 93.30% |
| &nbsp;&nbsp;Representative Credit Score for Grading | 5 | 97.61% |
| &nbsp;&nbsp;Securitization Total Cash Out | 7 | 96.65% |
| &nbsp;&nbsp;Total Cash Out | 114 | 45.45% |
| &nbsp;&nbsp;Total Monthly Income | 5 | 97.61% |

---

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 8 April 09, 2026

![](ex99-4_002.jpg)

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 119 | 1 | 8 | 37 | **165** |
| **Final** | **B** |  | 19 | 9 | 16 | **44** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **119** | **20** | **17** | **53** | **209** |

---

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

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 132 | 1 | 6 | 36 | **175** |
| **Final** | **B** |  | 22 | 4 | 8 | **34** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **132** | **23** | **10** | **44** | **209** |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 192 |  | 5 | 8 | **205** |
| **Final** | **B** |  | 2 | 1 | 1 | **4** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **192** | **2** | **6** | **9** | **209** |

---

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 9 April 09, 2026

![](ex99-4_002.jpg)

**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 107 |  | 3 | 2 | **112** |
| **Final** | **B** |  |  | 5 | 1 | **6** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **107** | **0** | **8** | **3** | **118** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (91 Loans)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 10 April 09, 2026

![](ex99-4_002.jpg)

**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non-occupant co-borrower

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

- Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 11 April 09, 2026

![](ex99-4_002.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;▪ Paystubs

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS
 documents

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

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

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

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

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

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

▪ Verification of deposits (VOD)

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

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

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

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

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 12 April 09, 2026

![](ex99-4_002.jpg)

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 lender

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

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

- Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 13 April 09, 2026

![](ex99-4_002.jpg)

**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 14 April 09, 2026

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

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

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

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised
 value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

&nbsp;&nbsp;&nbsp;&nbsp;o 3
 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2
 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable
 or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured
 or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel
 units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique
 properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working
 farms, ranches or orchards

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 15 April 09, 2026

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&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use
 properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk
 Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o Clear
 Capital "CDA" means a written retrospective analysis of an appraisal
 of residential real property relating to completeness, reasonableness, and relevance. The
 relevant appraisal shall be provided to Clear Capital by-Customer. The CDA will
 offer an alternative value, if deemed appropriate, based on the analysis of the competitive
 market as of the effective date of the appraisal provided. The CDA will also
 provide an analysis of the appraisal provided, including supporting narrative
 and data to fully support the CDA value and outline deficiencies within the
 appraisal. The CDA will also contain a Risk Score and Risk Indicators based
 upon the findings of the analysis for the appraisal provided to Clear
 Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's
 Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file
 completed by a licensed appraiser. The ARR validates subject and comparable data and
 characteristics, confirms the original appraiser's methodologies, credentials, and
 commentary to ensure compliance with regulatory requirements and industry accepted best practices,
 and flags all risk factors while also providing a final value reconciliation used to grade
 the loan.

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 16 April 09, 2026

![](ex99-4_002.jpg)

**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial
 Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms
 on the HUD1 correspond to the actual loan terms from the Note

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost Prohibited Acts and Practices upon request (Section 33)

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

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

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

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 17 April 09, 2026

![](ex99-4_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosure Rule: "The Initial TRID Scope"

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

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

● Pre-application forms cannot look similar to the LE

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

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

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

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

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

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

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

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

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

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

● Accuracy of the Aggregate Adjustment amount.

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

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

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

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

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

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

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

---

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

---

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

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

---

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

---

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 20 April 09, 2026

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

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

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

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

---

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

---

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

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

---

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

---

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 21 April 09, 2026

![](ex99-4_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

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

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

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

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

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

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

PRPM 2026-NQM2 Due Diligence Narrative Report Page \| 22 April 09, 2026

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

*Loans in Report: 209* 

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 166172 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.7832 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166167 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1590 | XXXXXX | 7.7697 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 166165 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166171 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.875 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166163 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 153465 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 22644.06 | XXXXXX | 7.4514 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| 166164 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166154 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166162 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166152 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2441.2 | XXXXXX | 7.0232 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 19085.8 |
| 166160 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166158 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166133 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166169 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166128 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 29085 | XXXXXX | 7.6901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 166127 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 164841 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164842 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164844 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 165854 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 165790 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11017.76 | XXXXXX | 7.6872 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 164318 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 165793 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 165781 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 17079 | XXXXXX | 7.8316 | Employed | Unemployed | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | Yes | 16580.23 |
| 165869 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164845 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 165791 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164847 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 164850 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 164851 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 164853 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164855 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164857 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 164860 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 163197 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164862 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 165876 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166482 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 166483 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 166484 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 165856 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164867 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.49 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 165887 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164870 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164871 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.8749 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 165894 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166116 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 165884 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164874 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164876 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164877 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166486 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 165853 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164884 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 166995 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5243 | XXXXXX | 7.0681 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 169503 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166961 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | Permanent Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 163939 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 22095 | XXXXXX | 7.2773 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 164890 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 164892 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 164896 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 164897 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164899 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166487 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164903 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 164904 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166489 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166490 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 164907 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4628 | XXXXXX | 7.2107 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 164908 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166523 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166492 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 164913 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 165865 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 165881 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167009 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166119 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 164921 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166495 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166520 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164922 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166496 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 166122 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4075 | XXXXXX | 7.7442 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 166497 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 165901 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166500 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 166501 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8678.5 | XXXXXX | 7.7523 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| 166124 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167033 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167029 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166125 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166521 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166507 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7595 | XXXXXX | 6.8148 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 166525 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 166514 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12962.59 | XXXXXX | 7.8141 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 169452 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167013 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166962 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167028 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166998 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166982 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8387.48 | XXXXXX | 7.1639 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 167036 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167023 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167000 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167014 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167031 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167022 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167008 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166972 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11104 | XXXXXX | 7.8088 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 166963 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5308.65 | XXXXXX | 6.9827 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 167006 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167035 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167027 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166997 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166957 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7567.86 | XXXXXX | 7.9119 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 169479 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 169428 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 169446 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 169431 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 169402 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 2953.83 | XXXXXX | 7.6056 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 6443.03 |
| 169444 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 169419 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 165767 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 12644 | XXXXXX | 7.9313 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 165772 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 165768 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 165784 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 165759 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 165773 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14704 | XXXXXX | 7.7868 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 165786 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 165777 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8259 | XXXXXX | 7.8801 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 152706 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 165771 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 165776 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13580 | XXXXXX | 6.7803 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 18090.5 |
| 165783 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 165785 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 165778 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8111.46 | XXXXXX | 7.9584 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 166243 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166247 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166244 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166234 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7020.25 | XXXXXX | 7.3311 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 166249 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166246 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166241 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 166245 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 166238 | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2336.5 | XXXXXX | 8.7318 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 6903.12 |
| 166239 | QM: Rebuttable Presumption (APOR) | No | XXXXXX | XXXXXX | No | Yes | 13910.88 | XXXXXX | 7.9811 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 167392 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167528 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167526 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.99 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167393 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167502 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167429 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167517 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167516 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167399 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167430 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167521 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167408 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167400 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167519 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167456 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167427 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167474 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167403 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167426 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167511 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167494 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167508 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167513 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167499 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 167506 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 167509 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167512 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167496 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167510 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167495 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 167505 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167507 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167401 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167501 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167498 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167514 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167497 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 162381 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 14416 | XXXXXX | 7.4691 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 167493 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | Employed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167503 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6542 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167437 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167428 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167477 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167406 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167485 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167486 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167478 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167407 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167480 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167481 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167422 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167420 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167483 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167423 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167421 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167482 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 167398 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167479 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 167424 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 167466 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 169432 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164925 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 164927 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 166172 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The Warranty Deed is missing from the loan file. | (No Data) | Document provided to cure. Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 721 qualifying score is 10+ points > requirement.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has 12 months Reserves. |
| 166167 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Right of Rescission | Satisfied B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | ROR is missing from the file. | (No Data) | Lender provided ROR - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 720 FICO.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 40.07 months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Qualifying DTI (Back) of 13.99%. |
| 166167 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Right of Rescission | Satisfied D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | The loan file does not contain Right of Rescission form. | (No Data) | Lender provided ROR - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 720 FICO.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 40.07 months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Qualifying DTI (Back) of 13.99%. |
| 166167 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The Rate Lock Report in file does not match the final terms of the loan provided. Variance in loan amount, interest rate, LTV, DTI, and appraised value. | (No Data) | SG unable to update lock rate. Borrower name, property address is correct. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 720 FICO.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 40.07 months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Qualifying DTI (Back) of 13.99%. |
| 166167 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Credit | Legal Documents | Satisfied D A | CRDLGL3960 | Missing Assignment | No | The loan file does not contain the borrower's ID. | (No Data) | Borrower ID provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 720 FICO.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 40.07 months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: Qualifying DTI (Back) of 13.99%. |
| 166165 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower paid past due sewer and trash at closing. | (No Data) | Exception for paying delinquent sewer and trash at closing approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 42.86 months reserves.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 43.59% LTV is below program max of 65%. |
| 166171 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Pages 2 and 3 of the Note are missing from the loan file. | (No Data) | Complete note provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 672 credit score exceeds minimum required per guidelines<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided at the same residence for the past 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 15.49 verified cash reserves exceed minimum required per guidelines |
| 166163 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Typically, the prepayment penalty applied is to the amount prepaid that exceeds 20% of the original balance. It appears that the seller accidentally used 5% as the PPP trigger instead of the penalty amount considering the loan was locked with a 5% penalty and the max penalty on the CD is 5% of the loan amount. Please clarify and correct if necessary. | Regarding the disclosure of the PPP on the CD, please be advised that our LOS, XXXX, will automatically include a $ amount for PPP as high as based on unpaid balance or original principal. When amount prepaid is selected, the CD will populate a $0 for PPP as high as since it is an unknown value. As to not mislead our borrower with an under disclosed $0 PPP on the CD, we opted to disclose based on original principal, which is also the same value when unpaid balance is chosen. We have contacted our XXXX support desk for a solution when PPP is based on amount prepaid. | No compliance issue is present. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is 813.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves are $1,684,824.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history is 0x30x24+ months. |
| 166163 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4643 | Borrower does not meet guideline requirements | No | Missing letter of explanation describing the reason for using a Power of Attorney at closing for both borrowers. | (No Data) | LOE provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is 813.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified cash reserves are $1,684,824.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history is 0x30x24+ months. |
| 153465 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is 732.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 65.79%.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 38.63%. |
| 166164 | XXXXXX | NE | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | An Access letter from the borrower's partners to have full access to the business funds used for reserves, is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 674 qualifying score is 10+ points > 640 requirement. |
| 166164 | XXXXXX | NE | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | According to the underwriting guidelines, the minimum DSCR allowed is 1.00. In this case, the DSCR is 0.95, the lender did not include the PUD amount in the calculations. | (No Data) | XXX approved the DSCR on this loan with comp factors. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 674 qualifying score is 10+ points > 640 requirement. |
| 166154 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Provide 12 months business bank statements to support qualifying income. | (No Data) | Bank statements provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 71 months of reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: The borrowers Fico of 785 is 125 points greater than the minimum required Fico of 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 19.40% is 30.6% less than the maximum allowed DTI of 50%. |
| 166154 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | The loan file included a bank statement worksheet without business bank statements to support the income. | (No Data) | Bank statements provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 71 months of reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: The borrowers Fico of 785 is 125 points greater than the minimum required Fico of 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 19.40% is 30.6% less than the maximum allowed DTI of 50%. |
| 166162 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has low credit utilization of 24.37%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 739 qualifying score is 10+ points > 700 requirement. |
| 166152 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 804 FICO exceeds program min by >20 points.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has 2.99% revolving credit utilization.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: 26.97% DTI is below program max of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 47.55 months reserves. |
| 166160 | XXXXXX | VA | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Insurance | Satisfied D A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | The Hazard Insurance policy is missing rental loss coverage on the subject property. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrowers have low credit utilization of 12.37%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 787 qualifying score is 10+ points > 720 requirement. |
| 166160 | XXXXXX | VA | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | Property | Waived C B | PRVAPROP177 | Property Issues Indicated | No | According to the underwriting guidelines, log homes or log home characteristics are an ineligible property type. In this case, the appraisal indicates the property has a log design. | (No Data) | SG waived with comp factors. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrowers have low credit utilization of 12.37%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 787 qualifying score is 10+ points > 720 requirement. |
| 166158 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 117 months of reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: The borrowers Fico of 779 is 79 points greater than the minimum required Fico of 700.<br>CFCFS1750: High potential for increased earnings<br> - XXXX Comments: DSCR of 1.66 is .66 more than the minimum required DSCR of 1 |
| 166133 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | A 12 month housing history is required, incomplete housing history requires pre-approval. Borrower is living rent free with sister. | (No Data) | Exception for living rent free approved by XXX and in file. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 80.51 months of reserves |
| 166133 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Lease agreement in file expired 4/15/2024; provide a copy of the current lease starting 4/1/2025- current in the amount of $3800. Final DSCR Pending. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 80.51 months of reserves |
| 166133 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | A copy of the condo questionnaire is missing from the loan file. | (No Data) | Condo docs provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 80.51 months of reserves |
| 166133 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied C B | CRDTER5785 | SG Capital Delivery Restrictions -1 | No | Audit calculated DSCR is 0.91 which is below the minimum requirement of 1.0 for a cash out loan. | (No Data) | Document provided to cure | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 80.51 months of reserves |
| 166169 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The Business Purpose Affidavit and Loan Guaranty are missing | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 768 FICO score exceeds minimum FICO requirements by over 20 points based on LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 123 months reserves exceeds minimum reserve requirement by more than 6 months |
| 166169 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL5474 | Missing Prepayment Penalty Addendum | No | Missing Prepayment Penalty Addendum to the Note. | (No Data) | Document provided to cure | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 768 FICO score exceeds minimum FICO requirements by over 20 points based on LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 123 months reserves exceeds minimum reserve requirement by more than 6 months |
| 166128 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | According to the underwriting guidelines, an internet search of the business is required with documentation to be included in the credit file to support the existence of the business. In this case, the documentation is missing from the loan file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 123.85 months PITIA.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has low credit utilization of 1.21%.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: 27.64% DTI is low. |
| 166128 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | A signed business narrative including details regarding the industry, size and operating profile of the business addressing location, rent, number of employees and physical assets, is missing from the loan file. | (No Data) | XXX reviewed and accepts the LOE in lieu of formal narrative. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 123.85 months PITIA.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has low credit utilization of 1.21%.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: 27.64% DTI is low. |
| 166128 | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The Payoff Statement is missing from the loan file. | (No Data) | Subject owned Free and clear. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves of 123.85 months PITIA.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has low credit utilization of 1.21%.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: 27.64% DTI is low. |
| 166127 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 8.74 verified cash reserves exceed minimum required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower has 0x30 lates on mortgage account reviewed for the past 56 months |
| 164841 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $165,920.40, 83.07 months. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is 780, minimum is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower has 99+ months on-time housing payment history. The guidelines require 12 months. |
| 164842 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 780 is above minimum program requirement of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers have0x30x77 months mortgage payment history exceeding guideline requirement of 1x30x12<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrowers are only using 1% of available revolving credit. |
| 164844 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 676 FICO score is above the required 640.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 58.818% LTV is below the 70% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 82.94 months reserves are above the required 3. |
| 165854 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Missing signed final HUD-1. | 12-5-25 Client uploaded HUD. | 12-5-25 XXXX reviewed final HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 754 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $103,904.59, 27.97 months. 6 months reserves are required.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal credit usage ratio of 12%. |
| 165790 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR Expiration date is XX/XX/XXXX; disbursement date per Final CD in file is XXX. Disbursement date is before end of statutory rescission period. | 9.16.25-Per the Initialed and amended ROR (pg.593-594) dates by the borrower , reflecting transaction date of XXX and midnight of day (last day or rescission) as XX/XX/XXXX (and borrower executed ROR on XXX). The transaction closed on XXX per notarized mortgage, executed CD in file. Therefore the disbursement date could occur no sooner than XXX. Provide PCCD with corrected closing date of XXX, disbursement date of XXX or later for review.9.17.25-Client provided PCCD issued XX/XX/XXXX. Updating disbursement date and cost at closing. Satisfied. | 9.17.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 21 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 707. The guideline minimum is 680.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower 1 has been employed 6 years, 4 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $31,411.34, 7.26 months. 6 months required. |
| 164318 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit report of 675 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves= $580,586.96, 94.67 months. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history of 31 months exceeds the required 12 months. |
| 165793 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying fico is 746. G/l min is 740<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 8.41 months piti reserves |
| 165781 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 725 exceeds the guideline minimum of 680.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: The borrowers have lived at current residence 10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been at his business for 9 years. |
| 165869 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 671 is 11 points above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 67.176%; guidelines allow 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets: $XXX, 114.16 months: 3 months required. |
| 164845 | XXXXXX | NY | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing housing history or property report verifying no mortgage payment for primary residence | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of756 is above the required 740<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 5%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $12675.65 or 5.55 months of PITIA. 3 months required. |
| 165791 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 7 years<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: 5% consumer credit utilization in file |
| 164847 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of677 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 62.143 is below the maximum allowable of 70<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $152953.29 or 43.52 months of PITIA. 3 months required. |
| 164850 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 22.10 months piti reserves. 6 required.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 4 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 670 is above the required 660. |
| 164851 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $22,646.57, 7.14 months. 0 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 695 is above the required 660.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal credit usage ratio of 1.21%. |
| 164853 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets: $XXX, 16.98 months; 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 748 is 8 points above minimum program requirement of 740.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has 0x30 for 99 months. |
| 164855 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 0x30 consumer history since 8/2021 per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of704 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 9%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history of35 months exceeds the required 12 months |
| 164857 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Missing Credit report. | 12-5-25 Client uploaded credit report. | 12-5-25 XXXX reviewed credit report and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves= $20,773.56, 4.92 months. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%; Guidelines allows 85%. |
| 164860 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 806 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 60% LTV is below the 75% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $315,366.92, 53.03 months. 0 months required. |
| 163197 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history of 45 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 726 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $6,957.79, 2.07 months. 0 months required. |
| 164862 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of717 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 21%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history of82 months exceeds the required 12 months |
| 165876 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Title does not verify Interest property is held in. Please provide updated title policy. | 12-30-25: Client uploaded copy of title policy. | 12-30-25: XXXX reviewed title policy, it confirms fee simple title. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 675 is above minimum program requirement of 640.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has 0x30 for 82 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 70% is below the maximum allowable of 75%. |
| 166482 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of748 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 4%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $76431.34 or 15.9 months of PITIA. 3 months required. |
| 166483 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 748 FICO score is above the 680 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 68.09% LTV is below the 75% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 100.5 months reserves are above the required 0 |
| 166484 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal credit usage ratio of 8%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 748. Guideline minimum 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $344,989.33, 68.24 months. 3 months reserves are required. |
| 165856 | XXXXXX | TN | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | Missing a complete and executed operating agreement. The operating agreement provided is undated and unsigned. | 12-15-25 Client uploaded signed operating agreement. | 12-16-25 XXXX reviewed operating agreement which is signed and dated. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 666. Guideline minimum 660.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower is utilizing 29% of the available revolving credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $80,922.13, 54.82 months. 3 months reserves are required. |
| 164867 | XXXXXX | RI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of651 is above the required 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history of39 months exceeds the required 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $26606.73 or 11.31 months of PITIA. 0 months required. |
| 165887 | XXXXXX | VA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing evidence that primary residence located at XXX is owned free and clear to satisfy primary housing history.Fraud report reflects lender as XXX Mortgage. | 12-5-25 Client replied: HEM accepts B grade | 12-5-25 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 664 FICO score is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 123.32 months reserves are above the required 3.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower only has 3 open tradelines. |
| 164870 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been in current residence 8 years as owner.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 710. Guideline minimum 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: The borrower has 26 months on-time payment history. The guidelines require a 12 month review. |
| 164871 | XXXXXX | NH | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP155 | Application Missing | No | Missing B2 (XXX) loan application. B1 application on file with B2 signature. However B2 information is not listed/no application on file for B2 including citizenship declaration. | 12-22-25 Client uploaded 1003. | 12-22-25 XXXX reviewed 1003 and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of762 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 73.5 is below the maximum allowable of 85<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $19993.02 or 6.7 months of PITIA. 0 months required. |
| 165894 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower is using 1% of available revolving credit limit.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 688. Guideline minimum 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 77 months on-time mortgage history exceeds the guideline review of 12 months. |
| 166116 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Missing copy of balance sheet for Condo HOA dated within the past 90 days. | 1-8-26 Client uploaded balance sheet. | 1-8-26 XXXX reviewed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 80% LTV is below the 85% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 766 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 54.31 months reserves are above the required 0. |
| 165884 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% is greater than the guideline maximum of 75% for a cash out refinance.Loan is considered a cash out refinance as it is paying off a blanket loan per guidelines (sec 1.4.1.2).XXXX deems non-material/non-fatal to lending decision due to compensating factors: 94.61 months cash reserves/3 required, credit score of 799/700 minimum and minimal credit use of 4%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrowers are using 4% of the available revolving credit limit<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 799 exceeds the guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $384,148.85, 94.61 months. 3 months reserves are required. |
| 165884 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value. | 12-19-25 Client uploaded field review. | 12-19-25 XXXX reviewed field review which supports value. Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrowers are using 4% of the available revolving credit limit<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 799 exceeds the guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $384,148.85, 94.61 months. 3 months reserves are required. |
| 164874 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of737 is above the required 700<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $88085.15 or 16.17 months of PITIA. 0 months required. |
| 164876 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 725 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 80% LTV is below the 85% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $182,041.20, 25.70 months. 0 months required. |
| 164877 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of757 is above the required 680<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 70 is below the maximum allowable of 75<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $50314.19 or 13.15 months of PITIA. 0 months required. |
| 166486 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Missing credit report for foreign national per guidelines section 1.3.2.4: A domestic credit report should be pulled on all Foreign National Borrowers using XXX in place of a social security number. | 12-30-25: Client uploaded credit report. | 12-30-25: XXXX reviewed credit report; no scores, no trades. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has 6 months of reserves. 6 required.<br>CFCFS1750: High potential for increased earnings<br> - XXXX Comments: DSCR at 1.1366 is above 1.00 required. |
| 165853 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 28.57 months reserves are above the 0 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 647 FICO score is above the 620 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 65% LTV is below the 70% max. |
| 164884 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing verification of gift funds $XXX from donor to borrower, gift letter indicates to be sent direct to title company and no verification of receipt by title company was found and no evidence found that it was directly given to the borrower. | 12-18-25 Client replied: Uploaded amended 1003 with XXX November Bank Stmts. Not using the gift borrower has sufficient funds to close in his accounts. Assets have been updated on 1003. | 12-19-25 XXXX reviewed asset docs and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of690 is above the required 680<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 11%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $2372.85 or 1.24 months of PITIA. 0 months required. |
| 166995 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets: $XXX, 18.38 months, 6 months required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 82 months of 0x30 consumer credit history per CBR.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 35.83% is below the guideline minimum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 752 is 32 points above minimum program requirement of 720. |
| 169503 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 725 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 120 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 111 months of 0x30 mortgage history per payment history and CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets: $XXX = 12.89 months of reserves, none required |
| 166961 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have occupied primary residence for 19 years with mortgage history reported 99 months with no late payments.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post closing assets $XXX (39.92 months PITIA reserves) > min required reserves of 6 months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 741 is above the required 680 for Foreign National. |
| 163939 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Provide Signed final CD at closing OR PCCD with Corrected Closing Date/Disbursement Date. Earliest date is XXX for disbursement due to receipt on XXX. ROR last day of rescission is XXX (midnight of date). Final CD issued XXX was not received by borrower until XXX per e-signature on doc. Closing per notary date is XXX Borrower did not receive full 3 day rescission period. | 12.25.25-Client provided addendum to closing disclosure signed XXX. Lower left hand corner reflects this document on printed-XXX at 12:13. The rest of the CD provided (issued XXX) & in file reflects printed XXX 8:12. In file doc contains proof of receipt of CD issued XXX signed XXX by both borrowers. Addendum provided does not align with the rest of the CD. 1.7.26-Satisfied CN-1799. | 1.7.26-Satisfied CN-1799. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 693 FICO score is above the 680 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 70% LTV is below the 75% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 55.4 months of reserves are above the required 0. |
| 163939 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Provide Signed final CD at closing OR PCCD with Corrected Closing Date/Disbursement Date. Earliest date is XXX for disbursement due to receipt on XXX. ROR last day of rescission is XXX midnight of date). Final CD issued XXX was not received by borrower until XXX5 per e-signature on doc. Closing per notary date is XXX Borrower did not receive full 3 day rescission period. | 12.25.25-Client provided addendum to closing disclosure signed XXX. Lower left hand corner reflects this document on printed-XXX at 12:13. The rest of the CD provided (issued XXX) & in file reflects printed XXX 8:12. In file doc contains proof of receipt of CD issued XXX signed XXX by both borrowers. Addendum provided does not align with the rest of the CD. 1.2.26-Client provided ROR, exp. (midnight of date) XXX. Sent for second review- CN-1799.1.5.26-Will satisfy on 1/6/26. CN-1799.1.7.26-Satisfied CN-1799. | 1.7.26-Satisfied CN-1799. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 693 FICO score is above the 680 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 70% LTV is below the 75% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 55.4 months of reserves are above the required 0. |
| 164890 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of670 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 75 is below the maximum allowable of 80<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $52471.15 or 32.49 months of PITIA. 0 months required. |
| 164892 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 752 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: .94 months reserves are above the required 0.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 4 years of mortgage history is above the required 1. |
| 164896 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 739 is above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%; guidelines allow 85%.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has 0x30 for 99 months. |
| 164897 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 671 qualifying credit score per CBR. 660 minimum.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 14 years living at primary home.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 7.76 months of reserves in file. 0 required. |
| 164899 | XXXXXX | MI | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER113 | Loan amount is below guideline minimum | No | Loan Amount is $XXX. Guideline minimum loan amount $XXX. Lender approved exception in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 721 is 21 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has $263,301.41/234.55 PITIA which is > guideline minimum of 6 months PITIA.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers have0x30x51 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 166487 | XXXXXX | OK | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Provide final hud-1. HUD-1 in file is Seller's Statement. | 12-30-25: Client uploaded final HUD1. | 12-30-25: XXXX reviewed final HUD1; exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have been in current residence 10 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: Verified credit score 750. Guideline minimum 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 53 months on-time mortgage history exceeds the guideline required 12 month review.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post closing cash reserves $96,377.53, 15.81 months. None required. |
| 164903 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of656 is above the required 640<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 45.865 is below the maximum allowable of 60<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $155,927.07 or 75.48 months of PITIA. 3 months required. |
| 164904 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 747 is above minimum program requirement of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers have0x30x49 months mortgage payment history exceeding guideline requirement of 1x30x12.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has 0x30 for 99 months. |
| 166489 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount of $XXX is below the minimum loan amount of $XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 786 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $43274.51, 52.86 months. 0 months required.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrowers have no late payments on credit report. |
| 166490 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Provide documentation that borrower has been cleared from EPLS/SAM list. | 1-19-26 Client uploaded docs. | 1-19-26 XXXX reviewed SAM search which is clear. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower has made mortgage payment on time for 99 months, 12 months is review period.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 741 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves= $26,254.18, 13.16 months. 0 months required |
| 166490 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR4775 | Missing Market Rent Analysis | No | XXX report is not complete and does not meet requirements of section 1.8.2.1.2. | 1-19-26 Client uploaded updated XXX report. | 1-19-26 XXXX reviewed report which is the full report. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower has made mortgage payment on time for 99 months, 12 months is review period.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 741 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves= $26,254.18, 13.16 months. 0 months required |
| 164907 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 721. Guideline minimum 700<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been in current residence 8 years, 3 months<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been in current position 12 years, 6 months |
| 164908 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 774 is 34 points above minimum program requirement of 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has $79,883.06/8.05 PITIA which is > guideline minimum of 3 months PTIIA.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers have0x12x38 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 166523 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower is 0\*30 mortgage payment history past 36 months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 715 is above the required 700. |
| 166492 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 55.56% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 15 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 10.43 months of reserves in file. |
| 164913 | XXXXXX | VA | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal Deficiency | No | Appraisal incomplete as it reflects rental comps and invoice indicates a 1007 included, however 1007 is missing. Without 1007 there is no way of determining if rental comps are long term or short term and guidelines state "When short term rental income is documented using multiple sources, the lowest monthly income source is to be utilized for calculating DSCR". Provide missing 1007. | 12-8-25 Client replied: attached is 1007 for appraisal evidencing rental comps a LTR, all lease agreements notated on 1007 are 1 year leases. | 12-8-25 XXXX reviewed 1007 which is long term rentals. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $30,495, 20.40 months. No reserves are required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 722 is above the required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history of 16 months exceeds the required 12 months. |
| 165865 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history of6 months on primary + 25 months on previous primary and 19 on subject exceeds the required 12 months<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: Mortgage payment history greater than two years with no late payments<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $94227.62 or 25.94 months of PITIA. 3 months required. |
| 165881 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $187,305.51, 127.76 months. 9 months reserves are required.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been in current residence 5 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 675. Guideline minimum 660. |
| 167009 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 6 months reserves $3,845.06 x 6 = $23,070.36Post close reserves $28,504.28<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 669 FICO exceeds minimum 660<br>CFCFS1739: Positive mortgage payment history<br> - XXXX Comments: 0 x 30 in 19 months |
| 166119 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been in current residence 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $40,463.98 or 23.16 months. 6 months reserves required<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 54.95% is less than the guideline maximum of 75%. |
| 164921 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Final HUD 1 is missing pg. 3 of 3 | 12-12-25 Client uploaded HUD. | 12-12-25 XXXX reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of641 is above the required 640<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 20%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $137524.80 or 87.13 months of PITIA. 3 months required. |
| 166495 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 679 is 19 points above minimum program requirement of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers have0x30x23 months mortgage payment history exceeding guideline requirement of 1x30x12.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets: $XXX, 10.02 months, 3 months required. |
| 166520 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified reserves of $27,309.23 or 25.64 months PITI reserve exceeds required reserves of 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Representative score of 679 exceeds guideline requirement of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history of 23 months exceeds the required 12 months. |
| 164922 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | 12 month paid by business or 3rd party Verification missing for Account XXX/XXX XXX Rental Agreement for $2949 per month as reported on the credit report. Additional exceptions may apply. | 12-17-25 Client replied: Rebuttal: The credit line XXX/XXX XXX Rental Agmt has no balance and was last paid 10/2025, Therefore we dont have to count it in DTI. The borrower owns primary so it is not the primary residence rental agreement.12-18-25 Client replied: Submitted evidence XXX rent paid by 3rd Party | 12-17-25 XXXX reviewed file and credit report which reflects account is still open. Guidelines (sec 1.5.6.2) states: Lease payments must be considered as recurring monthly debt obligations and included in DTI ratio calculation. This is regardless of the number of months remaining on the lease. Provide evidence that the account is closed or evidence that another party is making payments for last 12 months with no lates (sec 1.5.6.11). Exception remains. 12-19-25 XXXX reviewed transaction report and bank statement which reflects rental payment being made by another party. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 731 is 11 points above minimum program requirement of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets: $XXX, 19.66 months, 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers have 0x30x17 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 166496 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash Reserves $110147.65, 38.43 months reserves, 6 months required<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: 4% revolving credit utilized<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 726 exceeds the minimum of 680 |
| 166122 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Provide COC for zero tolerance fail of $1100.00 due to lender credit decrease on CD issued XX/XX/XXXX OR Provide PCCD, LOX, Copy of tolerance check with proof of delivery within 60 days of consummation. | 1.8.26-Client provided COC issued XX/XX/XXXX. Satisfied. | 1.8.26- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: 6 years employed with XXXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 657 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 211 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 57.82 months of reserves in file. |
| 166497 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 15.1 months reserves which are above the required 6.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 70% LTV is below the 75% max.<br>CFCFS3824: Borrower contributed an additional down payment<br> - XXXX Comments: Borrower put an additional 5% down. |
| 165901 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 652 is 32 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 7.64% is below the guideline minimum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 65%; guidelines allow 80%. |
| 166500 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash Reserves $14865.71. 6.29 months reserves , 6 months required<br>CFCFS1750: High potential for increased earnings<br> - XXXX Comments: DSCR: 1.5035 (STR Rent $3553 / Expenses $2363.21) |
| 166501 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXX Comments: B1 has 6.8 years in the XXX profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets: XXX, 26.28 months; 12 months Required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 803 is 83 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 42.81% is below the guideline minimum of 50%. |
| 166124 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing November XXX IRA statement for XXX with a balance of approximately $XXX.Account is being used for XXX asset depletion which requires statements for 3 months. | 12-30-25: Client uploaded updated 1003 indicating assets used for depletion are XXX XXX $XXX and XXX XXX $XXX, DSCR asset ratio >1.151-7-26 Client uploaded November statement. | 12-30-25: XXXX reviewed bank statements for XXX XXX, balance on 11-13-25 is $XXX; XXX XXX balance on 11-13-25 is $XXX. XXXX has updated activity statement for XXX XXX on 11-21-25 with balance of $XXX, withdrawal on 11-18-25 is $XXX which is portion of the EMD paid. Balances on these 2 accounts of $XXX not sufficient for DSCR >1.15%. Exception remains.1-7-26 XXXX reviewed statement and updated income to ($XXX/60) $XXX + $XXX market rents = $XXX with final DSCR of 3.6216. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 803 qualifying credit score per CBR. 680 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 290 months of 0x30 mortgage credit history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 383 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 23.03 months of reserves in file. 3 required. |
| 167033 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned current residence for 7 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 667 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 71.38 months piti reserves in file. 3 months required. |
| 167029 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Assets | Active C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing sufficient funds for reserves. Loan requires 6 months reserves. Cash back supports 4.07 months reserves. Borrower is short $18,557.79 in reserves | 1-29-26 Client replied: Please see uploaded exception approval. | 1-30-26 XXXX reviewed exception and file. XXXX deems non-material/non-fatal to lending decision as shortage of less than 2 months and compensating factors: Credit score 736/700 minimum, $807.73 reduction in payment, 4 years at current residence, and 7% credit usage. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 736 exceeds the minimum of 700<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 4 years living at primary residence.<br>CFCFS1746: Significant housing expense reduction<br> - XXXX Comments: Payment reduced by $807.73/month or 7.74%<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal credit usage ratio of 7%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 48 months of 0x30 consumer credit history per CBR. |
| 167029 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing appraiser search on the Fraud Participants search. Appraiser listed, XXX XXX, is not the appraiser that completed the appraisal, XXX XXX | 1-29-26 Client replied: Please see revised LDP/GSA Fraud Participant search for XXXX | 1-30-26 XXXX reviewed fraud report which reflects the appraiser for the subject with no hits. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 736 exceeds the minimum of 700<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 4 years living at primary residence.<br>CFCFS1746: Significant housing expense reduction<br> - XXXX Comments: Payment reduced by $807.73/month or 7.74%<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal credit usage ratio of 7%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 48 months of 0x30 consumer credit history per CBR. |
| 166125 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been in current residence 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 766. Guideline minimum 640.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 70% is below the guideline maximum of 85%. |
| 166521 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 777. Guideline minimum 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $532,948.48, 29.04 months. 6 months reserves are required.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: B1 has been at current residence 5 years. |
| 166507 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR5081 | Insurance Policy missing required endorsements | No | XXX HO6 insurance provided does not list include mortgagee endorsement or coverage amounts. Please provide declarations page with mortgagee endorsement and coverage amounts. | 1-7-26 Client uploaded endorsement with coverage. | 1-7-26 XXXX reviewed HO6 which reflects mortgagee and coverage. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 739 is 19 points above minimum program requirement of 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 59%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 17.78% is below the guideline minimum of 50%. |
| 166507 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP2674 | Property Issues Indicated 2 | No | Missing copy of Balance Sheet completed within past 90 days for the Condo Association. | 1-13-26 Client uploaded balance sheet. | 1-14-26 XXXX reviewed balance sheet. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 739 is 19 points above minimum program requirement of 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 59%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 17.78% is below the guideline minimum of 50%. |
| 166507 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | HOA questionnaire is not completed, questions regarding litigation, Florida only, any regulatory or agency inspections, and any adverse environmental factors not completed. Specifically, Q9, Q13, Q14, Q15. Provide requested information for review. | 1-13-26 Client replied: Uploaded email below from HOA regarding questions #13 & #14#15 was already answered in questionnaire.1-23-26 Client replied: Litigation docs uploaded | 1-14-26 XXXX reviewed email which addresses the questions 13-15. Still need information regarding Question 9 to review pending litigation which reflects: Please contact Property Manager,XXX XXX. Exception remains. 1-26-26 XXXX reviewed Litigation documentation filed 10-14-2022 seeking damages exceeding $30,000. Compliant includes Condo project and 4 individuals and an LLC. Per Budget ending 12-31-25 total reserves are $1,627,000 and 2026 proposed budget reflects total reserves of $1,675,810. Litigation involves XXX XXX not the subject XXX XXX and potential damages do not exceed 25% of HOA reserves per budgets in file. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 739 is 19 points above minimum program requirement of 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 59%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 17.78% is below the guideline minimum of 50%. |
| 166525 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing fraud report for XXX. Fraud report in file is only for XXX. | 12-31-25: client uploaded fraud report for XXX. | 12-31-25: XXXX reviewed fraud report for XXX. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash Reserves $25088..03, 8.54 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - XXXX Comments: DSCR: 1.2601 (Rent $3700 / Expenses $2936.28)<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 5 years living at primary residence. |
| 166514 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 721. Guideline minimum 700.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have been in current residence 8 years, 5 months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has been in current position 13 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 188 months of 0x30 consumer credit history per CBR. |
| 169452 | XXXXXX | MS | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Active B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXXX - #XXXX Severe winter storm. XXXX grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 668 FICO score is above the 640 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 65% LTV is below the 70% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 73.21 months of reserves are above the required 3. |
| 167013 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash Reserves $60218.69, 14.12 months reserves, 0 months required<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: 7% revolving credit utilized<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 690 exceeds the minimum of 660 |
| 166962 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 7.3 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 28.85 months of reserves in file.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: 18.6 years employed with XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 672 qualifying credit score per CBR. |
| 167028 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 6 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 64.41%. Guideline maximum 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrower has 61 on time mortgage payments with no delinquencies. Guidelines require a 12 month review.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $178,236.90, 109.29; 109.29 months. 3 months reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 679 mid-score per CBR. |
| 166998 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Application | Satisfied C A | CRDAPP2418 | Ownership history inaccurate / incomplete | No | Missing documentation supporting guarantors of XXX is the same owners of XXX. Title currently in the name of XXX | 2-12-26 Client replied: OA uploaded for XXX confirming borrower has majority ownership. | 2-13-26 XXXX reviewed operating agreement which reflects Guarantors - XXX with 31% ownership and XXX with 20% ownership. All four owners of XXX are owners of XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 679 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash Back $138395.16, 109.40, months reserves, 3 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 49 months reviewed for primary residence mtg, exceeds the required 12 months |
| 166982 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - XXXX Comments: 12 years employed in the XXX industry.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 4 years owning primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: 4.9 years employed at XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 714 mid-score per CBR. 680 minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 32 months of 0x30 mortgage history per CBR. 12 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 87.05 months of reserves in file. 6 required. |
| 167036 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 49.38% is below the maximum allowable of 55%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of635 is above the required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $188,350.20 or 101.16 months of PITIA. 3 months required. |
| 167023 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 5% LTV exception as property is in a declining market. Per NONI guidelines a 5% LTV reduction applies when LTV/CLTV is greater than 70%. Loan closed at 75% LTV - max is 70%. XXXX deems non-material/non-fatal to lending decision due to compensating factors: 10.03 months cash reserves/3 required, Credit score of 784/700 required, and Mortgage history of subject at 68 months = 28 on subject HELOC/12 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Median Fico Score of 784 > 84 required guideline requirements of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Subject Mortgage payment history of 68 months on first and 28 months on HELOC exceeds the required 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 10.03 months of reserves exceeds guideline requirements of 3 months. |
| 167000 | XXXXXX | OH | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | 1) Missing complete XXX Bank #XXX bank statement. Missing page 2 of statement. 2) Missing supporting documentation for XXX, asset is held in company name. | 2-9-26 Client replied: complete bank statements uploaded. 2-10-26 Client sent email stating uploaded. | 2-10-26 XXXX reviewed bank statement which clears part 1 of exception. Still missing ownership docs for XXX. Exception remains. 2-10-26 XXXX located the uploaded EA letter uploaded today. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $17168.41 or 16.1 months of PITIA. 0 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history of262 months exceeds the required 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of678 is above the required 660 |
| 167000 | XXXXXX | OH | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing copy of complete purchase sales agreement, file contained only a contract addendum. | 1-14-26 Client uploaded contract. | 1-14-26 XXXX reviewed contract. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $17168.41 or 16.1 months of PITIA. 0 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history of262 months exceeds the required 12 months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of678 is above the required 660 |
| 167014 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post closing reserves $118,019.02, 112.63 months, 3 months required.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 5 years as owner.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 46.30% and maximum is 75% |
| 167031 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Loan requires 9 months reserves due to ownership seasoning is less than 6 months for cash out refinance, borrower has 8.32 months. $9287.65 reserves, $10,046.25 required. Subject acquired XXX. Transaction date XXX. Short by 7 days for 6 months ownership seasoning. XXXX considers this non material with compensating factors LTV 69.61% with maximum 75%, payment reduction of 15%, credit score 755/660, and with one week short of requiring 3 months reserves. | 1-28-26 Client replied: HEM accepts B grade | 1-30-26 Non-Material exception remains. | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXXX Comments: Payment reduced $202.17/month or 15.33%<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 69.61% is below the maximum of 75%<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: 15% revolving credit utilized<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 755 exceeds the minimum of 660 |
| 167022 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets: $XXX, 88.71 months; 3 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers have0x30x20 months mortgage payment history exceeding guideline requirement of 1x30x12.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 655 is 15 points above minimum program requirement of 640. |
| 167008 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR5081 | Insurance Policy missing required endorsements | No | Insurance Declaration page provided is missing the building coverage amount. Please provide updated declaration page. Additional exceptions may apply. | 1-23-26 Client replied: HOI showing property coverage uploaded | 1-26-26 XXXX reviewed HOI and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers have0x30x85 months mortgage payment history exceeding guideline requirement of 1x30x12.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets: $XXX, 29.35 months; 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 728 is 28 points above minimum program requirement of 700. |
| 166972 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 180 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 790 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash Reserves $90818.42, 32.46 months reserves, 12 months required<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 7.75% is below the maximum of 50% |
| 166963 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Assets | Active B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing evidence to meet Non-QHEM requirement: All business funds used must be transferred to the borrowers personal account. XXXX deems non-material/non-fatal to lending decision as borrower owns 90% of business and compensating factors: credit score 701/680 minimum, 43.48 months cash reserves/6 required and DTI of 20.32/50% maximum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets Cash Reserves $XXX, PITIA $XXX, 36.82 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 701 exceeds the minimum of 680<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 20.32% is below the maximum of 50% |
| 166963 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing explanation for XXX inquiry with XXX on 12-15-25. If new debt - provide details. | 2-5-26: client uploaded LOX regarding inquiry and copy of new business debt with XXX. | 2-5-26: XXXX reviewed LOX regarding inquiry and copy of new business debt with XXX. The inquiry was from borrower business to XXX regarding business loan, not a personal loan. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets Cash Reserves $XXX, PITIA $XXX, 36.82 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 701 exceeds the minimum of 680<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 20.32% is below the maximum of 50% |
| 167006 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is 788 and minimum is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post closing reserves $290,528.22, 131.37 months, 9 months required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: Borrower has no late payments with 22 years credit history and 2 years is required. |
| 167035 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 674 FICO score is above the 660 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 12 years of mortgage history with on time payments is above the required 1.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 24.61 months reserves are above the 3 required. |
| 167027 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 776 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 101.16 months of reserves are above the required 3.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 4 years of mortgage history is above the required 1. |
| 166997 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of776 is above the required 740<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 280 months of 0x30 consumer credit history per CBR.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 9%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $93530.73 or 101.11 months of PITIA. 9 months required. |
| 166957 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Assets | Active D B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing documentation business assets have been transferred to personal account. Per Matrix guidelines, all business assets used must be transferred to borrower's personal account | 1-22-26 Client uploaded Post close exception. | 1-23-26 XXXX reviewed post close exception and file. XXXX deems non-material/non-fatal to lending decision due to compensating factors: 7.57 months cash reserves/6 required, credit score 728/680 minimum, DTI 40.81/50% maximum and 10% credit usage. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 728 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: 10% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash Reserves $24145.54, 7.57 months reserves, 6 months required<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 40.81% is below the maximum of 50% |
| 166957 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing OFAC search for donor or verify donor is a US citizen. Per guidelines 1.6.4.1, for any gift by a non-US citizens, the donor must be screened against the OFAC list | 1-22-26 Client replied: Gift letter shows donor lives in USA however I attached an ofac showing its clear | 1-23-26 XXXX reviewed OFAC search which reflects no match. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 728 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: 10% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash Reserves $24145.54, 7.57 months reserves, 6 months required<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 40.81% is below the maximum of 50% |
| 166957 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing document used to clear SSN alert on Fraud report | 1-21-26 Client replied: fraud report was uploaded again showing cleared thank u :)1-23-26 Client replied: SSV doc verifying ssn was upload on 1/22 please attached again thank u | 1-22-26 XXXX reviewed uploaded documents including SAM search and Participants fraud report. We need social security verification that was used to clear the SSN alert on the borrowers fraud report. Exception remains. 1-23-26 XXXX reviewed SSN verification which is a match. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 728 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: 10% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash Reserves $24145.54, 7.57 months reserves, 6 months required<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 40.81% is below the maximum of 50% |
| 169479 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves= $116,031.77, 83.31 months. 3 months required.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Significant time at current residence of 10 years. |
| 169428 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $225229.32 or 80.46 months of PITIA. 3 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of661 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 59.273 is below the maximum allowable of 70 |
| 169446 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 725. Guideline minimum 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $5,266.86; 3.11 months. No reserves are required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: The borrower has 9 months on current primary and 33 months on previous primary on-time housing history. The guidelines require a 12 month review. |
| 169431 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 664 FICO score is above the 640 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 60% LTV is below the 70% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 25.49 months of reserves are above the required 3. |
| 169402 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 648. Guideline minimum 620.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 46.11% is below max allowed of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $15,966.51 or 3.96 months. 3 months reserves required. |
| 169444 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 16 months of 0x30 mortgage history per CBR.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 4 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 640 mid-score per CBR. |
| 169419 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 646 FICO score is above the 640 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 4.84 months of reserves are above the 0 required.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Only 1 late account on credit report in last 12 months. |
| 165767 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | C | B D A | C | B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Provide proof of receipt of final CD issued 7/15/25. | 8.5.25-Client provided proof of receipt for final CD issued 7/15/25. Signed 7/15/25. Satisfied. | 8.5.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post close reserves are $161,841.25, or 26.02 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Per state registry borrower has been in business since 1XX/XX/XXXX<br>CFCFS1747: Housing expense increase is 10% or less<br> - XXXX Comments: Housing expense increase of $481.13, or 8.36%. |
| 165767 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | C | B D A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Provide proof of receipt of final CD issued 7/15/25. | 8.5.25-Client provided proof of receipt for final CD issued 7/15/25. Signed 7/15/25. Satisfied. | 8.5.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post close reserves are $161,841.25, or 26.02 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Per state registry borrower has been in business since XX/XX/XXXX<br>CFCFS1747: Housing expense increase is 10% or less<br> - XXXX Comments: Housing expense increase of $481.13, or 8.36%. |
| 165767 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | C | B D A | C | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value of $XXX. | 8.4.25 please find the dvr8.5.25 exception satisfied | 8.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post close reserves are $161,841.25, or 26.02 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Per state registry borrower has been in business since XX/XX/XXXX<br>CFCFS1747: Housing expense increase is 10% or less<br> - XXXX Comments: Housing expense increase of $481.13, or 8.36%. |
| 165772 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER5518 | Loan fails XXXXXX Minimum Equity requirement | No | Current equity $31,000.00 Minimum equity requirement $40,000.00. Loan does not meet guideline requirements. XXXX deems this non-material. Compensating factors; FICO 722, 24 months in reserves, DSCR 1.1428. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 24+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Guarantor demonstrates good credit history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 80 months credit history exceeds guidelines. |
| 165772 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo questionnaire. | 8.4.25 Questionnaire provided, please clear finding.8.5.25 exception satisfied | 8.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 24+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Guarantor demonstrates good credit history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 80 months credit history exceeds guidelines. |
| 165768 | XXXXXX | DE | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post close reserves are $837,554.02, or 311.35 months. 3 months required.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has never been 1X30 with history from 5/2005.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 721 exceeds guideline minimum of 720 for a DSCR cash out refinacne at 80% LTV. |
| 165784 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 215 months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - XXXX Comments: Guarantor demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 121+ months reserves exceeds guidelines. |
| 165759 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Guarantor has lived at current residence 9+ years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 215 months credit history exceeds guidelines.<br>CFCFS1739: Positive mortgage payment history<br> - XXXX Comments: Guarantor demonstrates positive mortgage payment history. |
| 165773 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Median FICO 734 > 74 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 48.85% is below the minimum program requirement of 55% up to 85% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has significant time at current job, 10 years and 9 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: Borrower has significant time at current job, 6 years and 7 months. |
| 165786 | XXXXXX | MI | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | XXX MI XXX | 8.15.25 Please see attached Payment letter for new loan on XXX property and clear exception.8.15.25 exception satisfied | 8.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post close reserves are 82,763.99, or 24.35 months. 3 months required.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 26.33% is below guideline maximum of 50%.<br>CFCFS1739: Positive mortgage payment history<br> - XXXX Comments: Borrower has never been 1X30 with history from 8/2017. |
| 165777 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | Please provide evidence that borrower acknowledged receipt of the initial CD dated XX/XX/XXXX, 3 business days prior to consummation date of XXX | 9.10.25-Provide proof of receipt of CD issued XX/XX/XXXX.9.11.25-Per client Attestation below the CD issued XX/XX/XXXX was never delivered. With removal of this CD, the APR increase was disclosed at closing to the borrower and not at least 3 business days prior. Exception remains." XXXX September 10th 2025, 7:47:25 pmAny CD dated XX/XX/XXXX was generated as part of a set of closing documents or just previewed. These CDs were never directly delivered to the borrower by XXX, neither were they received by the borrower. Please see screenshot of LOS showing that all CDs generated XX/XX/XXXX were neither delivered to nor received by the borrower. Please also accept this as an attestation that they were not delivered to the borrower.9.17.25-Client provided new CD issued XX/XX/XXXX, e-signed XX/XX/XXXX. Also included proof of receipt via e-log of XX/XX/XXXX. Exception remains.9.23.25-Client provided Proof of receipt for CD issued XX/XX/XXXX. With prior attestation in file, sent for second review- XXX.9.23.25-Client provided LOS reflecting package was received on XX/XX/XXXX. Provide proof of items included in said package contents. I.E. CD issued XX/XX/XXXX. With proof of view/received reflected for CD XX/XX/XXXX OR e-signature on CD XX/XX/XXXX.9.25.25-Client provided CD issued XX/XX/XXXX. Apr reflects 7.91%. Sent for second review- XXX.9.25-25-Satisfied XXX. | 9.25-25-Satisfied CN-1691. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXXX Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 50 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 134+ Months reporting |
| 152706 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 89 Months Reserves<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 20 Years at Current Address<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Current LTV is 65% and Max LTV is 70% |
| 165771 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide updated mortgage rating thru funding month for XXX/XXX/XXX acct #XXX, XXX acct #XXX, XXX MORTGAGE acct #XXX, XXX/XXX/XXX acct #XXX, XXX/XXX/XXX acct #XXX, XXX/XXX/XXX acct #XXX, XXXacct #XXX, and July payment for the subject property | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves required $5089.07 X 6 = $30,534.42. Cash to borrower $88,104.99 + Depository asses of $86,386.57 = $174,491.56 or 34.28 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO is 742, minimum required by G/L is 720<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: The borrower has occupied their residence for 8 years |
| 165776 | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Bank statements from XXX Bank #XXX for the months of August 2024, November 2024, and May 2025 | 9.3.25 XXX Bank account #XXX statements for August 2024, November 2024, and May 2025 provided. Please clear finding.9.8.25 exception satisfied | 9.8.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: The borrower has occupied the subject property for 8 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: Co-borrower has been with the same employer for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves required $7047.27 X 6 = $42,283.62. Post cls reserves $241,593.31 or 34.28 months PITI |
| 165776 | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Bank statements from XXX Bank #XXX for the months of August 2024, November 2024, and May 2025 | 9.3.25 XXX Bank account #XXX statements for August 2024, November 2024, and May 2025 provided. Please clear finding.9.8.25 exception satisfied | 9.8.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: The borrower has occupied the subject property for 8 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXXX Comments: Co-borrower has been with the same employer for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves required $7047.27 X 6 = $42,283.62. Post cls reserves $241,593.31 or 34.28 months PITI |
| 165783 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Property | Active C B | PRVAPROP177 | Property Issues Indicated | No | Condo listed as Non warrantable due to Investor concertation exceeding guidelines requirements.XXXX deems exception to be non material / non fatal to the lending decision. Grade =2/B | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided at current residence for approximately 32 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post close reserves of $190.225.80 or 82.42 months PITI exceeds 3 month PITI reserve requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is 734, min is 620. |
| 165783 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Provide HOA Certificate/Questionnaire. | 9.8.25 HOA Questionnaire provided. Please clear finding.9.9.25 exception satisfied | 9.9.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided at current residence for approximately 32 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post close reserves of $190.225.80 or 82.42 months PITI exceeds 3 month PITI reserve requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is 734, min is 620. |
| 165785 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 9.3.25 PLEASE FIND THE FINAL SS9.5.25 exception satisfied | 9.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXXX Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 160+ Months Reporting<br>CFCFS1739: Positive mortgage payment history<br> - XXXX Comments: 45+ Months Reporting |
| 165778 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Median FICO 712 > 52 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI 26.17% is below the minimum program requirement of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: Borrower has significant time at current job, 4 years and 1 months. |
| 166243 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post close reserves of $77,179.70, or 18.03 months PITI exceed guideline requirement.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided at current residence for approximately 5 years.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has 0 x 30 pay history past 24 months. |
| 166247 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 7.74% LTV exception. Maximum LTV is 80%. Loan closed at 87.74% ($XXX/$XXX) appraised value). FICO 720. 83 months reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $127,408.83, 57.71 months. 3 months required.<br>CFCFS1739: Positive mortgage payment history<br> - XXXX Comments: Borrower has never been 1X30 with history from 11/2013.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has never been 1X30 with oldest trade from 4/2006. |
| 166247 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER5518 | Loan fails XXX Minimum Equity requirement | No | Minimum equity is $40,000 - loan closed with $XXX equity based on appraised value of $XXX- $XXX loan amount = $XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $127,408.83, 57.71 months. 3 months required.<br>CFCFS1739: Positive mortgage payment history<br> - XXXX Comments: Borrower has never been 1X30 with history from 11/2013.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has never been 1X30 with oldest trade from 4/2006. |
| 166244 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 55.50% is below guideline maximum of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post close reserves are $162,803.60, or 52.42 months. 6 months required.<br>CFCFS1739: Positive mortgage payment history<br> - XXXX Comments: Borrower has never been 1X30 with history from 10/2013 |
| 166234 | XXXXXX | NE | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified reserves of $451,877.72 or 219.43 months PITI reserve exceed required reserves of $0.00 |
| 166249 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | DTI of 53.59 exceeds guideline maximum of 50. Subject Rent per 1007: $2,300 x .80 = $1,840 per guidelines.Estimated Lender calculation: $6,658.00 x .80 = $5,326.40 - $3,863.51 = $1,462.89No documentation to support lender rental calculation. | 11.20.25 Rental income use: 1007 for the subject property and 2024 tax return for the property at XXX11.24.25 Exception satisfied | 11.24.25 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified reserves of $96,592.03 or 25.00 months PITI reserve exceeds required reserves of ($3,863.51 x 3 = $11,590.53).<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Representative score of 804 exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Guarantors represent that they are at their current residence for over 18 years. |
| 166249 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 11.20.25 Final settlement statement provided. Please clear finding.11.24.25 exception satisfied | 11.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified reserves of $96,592.03 or 25.00 months PITI reserve exceeds required reserves of ($3,863.51 x 3 = $11,590.53).<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Representative score of 804 exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Guarantors represent that they are at their current residence for over 18 years. |
| 166249 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Subject property is a condotel with a max LTV of 75 per Investor X guidelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified reserves of $96,592.03 or 25.00 months PITI reserve exceeds required reserves of ($3,863.51 x 3 = $11,590.53).<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Representative score of 804 exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Guarantors represent that they are at their current residence for over 18 years. |
| 166249 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Missing HOA Certificate/Questionnaire | 11.20.2025-Client's response: November 19th 2025, 11:06:39 amHOA cert and the litigations listed. Please review.11.20.2025-XXXX's response: Received the Certificate of Insurance but not the litigation documents. Exception remains.12.02.2025-Client's response: December 2nd 2025, 12:50:26 pm HOA cert and law suits provided.12.02.2025-XXXX's response: Litigation that involves personal injury or death is not considered minor litigation unless: the claim amount is reasonably anticipated or known, the insurance carrier has agreed to provide the defense, and the reasonably anticipated or known damages are covered by the HOAs insurance. \*\* The litigation in this case is personal injury.Exception remains. 12.04.2025-Client's response: December 4th 2025, 12:35:22 pmEmail received from the Insurance Company regarding law suits. Please clear finding.12.04.2025-Letter from insurance company is sufficient to clear the exception. Exception satisfied. | 11.20.2025-Exception remains.12.02.2025: Exception remains12.04.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified reserves of $96,592.03 or 25.00 months PITI reserve exceeds required reserves of ($3,863.51 x 3 = $11,590.53).<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Representative score of 804 exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Guarantors represent that they are at their current residence for over 18 years. |
| 166246 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 75% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Median Fico Score 756 > 136 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 12.35% is above the minimum program requirements of 50% |
| 166241 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 76.5% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower1 has resided at current home for the past 12 years and 1 month.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Median Fico Score 768 > 148 points of minimum guideline requirements of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 23.35 months of reserves exceeds guideline requirements of 9 months. |
| 166245 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 296+ Months reporting<br>CFCFS2860: Good credit history<br> - XXXX Comments: Very Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 19 Months Reserves |
| 166238 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM: Safe Harbor (APOR), XXXX status is QM Rebuttable Presumption APOR due to Benchmark Date 11/11/2025, loan has a test APR 8.732, the Benchmark Rate was 6.26%; Variance 2.472; max allowed is 1.5000%. | 12.6.25 Client response; We accept the determination on this and please clear the exception.12.6.25 XXXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXXs review. | 12.6.25 XXXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: The borrower has been with the same employer for 7 years<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 50%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves, LTV 75% - None Required. Post close reserves $14,859.82 or 9.63 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 26.58%, max allowed by G/L is 50% |
| 166238 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXXX's review | No | Client agreed to QM rebuttable APOR status based upon XXXX review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: The borrower has been with the same employer for 7 years<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 50%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves, LTV 75% - None Required. Post close reserves $14,859.82 or 9.63 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 26.58%, max allowed by G/L is 50% |
| 166238 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Missing HOA Questionnaire | 12.6.25 HOA questionnaire provided, please clear finding.12.6.25 exception satisfied | 12.6.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: The borrower has been with the same employer for 7 years<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 50%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Reserves, LTV 75% - None Required. Post close reserves $14,859.82 or 9.63 months PITIA<br>CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI is 26.58%, max allowed by G/L is 50% |
| 166239 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXXX's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, XXXX status is QM Rebuttable APOR due to Benchmark Date 11/13/2025, loan has a test APR 7.981%, the Benchmark Rate was 6.260%; Variance 1.721%; max allowed is 1.5000%. | 12.16.25 Client response; We accept the determination on this and please clear the exception.12.16.25 XXXX memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon XXXXs review. | 12.16.25 XXXX memo; exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 44.01% is above the minimum program requirements of 55%<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 70% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Median Fico Score 674 > 74 points of minimum guideline requirements of 600. |
| 166239 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon XXXX's review | No | Client agreed to QM rebuttable APOR status based upon XXXX review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXXX Comments: DTI of 44.01% is above the minimum program requirements of 55%<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 70% LTV for Subject Property is below guideline max LTV of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Median Fico Score 674 > 74 points of minimum guideline requirements of 600. |
| 167392 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Waived D B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File is missing additional month consecutive bank statements for XXX #\*XXX and XXX #\*XXX. | 5/13 Client provided an approved exception to allow the file without the additional month bank statement | Upon review by XXXX Senior Underwriter, Condition is a Non Material B grade; strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has 9.42 months of PITIA available in reserves; 6 months required. |
| 167392 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | Qualifying credit score of 718 is below the minimum required score of 720 for DSCR < 1.00. | 5/13 Client provided an approved exception to allow the file with a score of 718 | XXXX final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has 9.42 months of PITIA available in reserves; 6 months required. |
| 167392 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 75% exceeds the maximum allowable LTV of 70% due to 1st time investor. | 5/13 Client provided an approved exception to allow the file with an LTV of 75% | Upon review by XXXX Senior Underwriter, Condition is a Non Material B grade; strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has 9.42 months of PITIA available in reserves; 6 months required. |
| 167528 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 793 is 73 points above the minimum required score of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers have 12.21 months of PITIA available in reserves; 6 months required.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have owned their primary residence for 18 years 5 months. |
| 167526 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 769 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post closing assets: $XXX (40.26 months PITIA reserves) > required reserves: $0.00<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 0x30 x59 months > maximum permitted of 1x30 x 12 months |
| 167393 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 767 qualifying score; 720 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified reserves of $86,796.97 or 30.20 months PITI; $17,242.56 or 6 months required. |
| 167502 | XXXXXX | MD | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV is 80 and Maximum LTV is 75 per GLS for CO refi | 8.11.2025 Client provided exception approval for LTV 80% exceeding guidelines maximum of 75% | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approval, B Grade with compensating factors: 5 years managing properties and fico score 740 | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 740 score exceeds 680 min<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: 5 years XXX XXX |
| 167502 | XXXXXX | MD | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing executed guaranty form by Borrower | 8.11.2025 Client provided executed Guaranty by Borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 740 score exceeds 680 min<br>CFCFS1734: Borrower has significant time at current job<br> - XXXX Comments: 5 years XXX XXX |
| 167429 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Lack of tradelines per credit report and XXX/XXX guidelines. XXXX deems exception to be non material / non fatal to the lending decision. Grade = 2/B. | 09.08.2025 - Acknowledged by Client. | 09.08.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 8+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Guarantor has lived at current residence 2 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: Guarantor does not have major mortgage related occurrences in the last 24 mos. |
| 167517 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 756 FICO USED TO QUALIFY WHICH EXCEEDS 620 MINIUM<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 75% LTV<br>CFCFS1739: Positive mortgage payment history<br> - XXXX Comments: 24 MONTHS WITHOUT ANY MORTGAGE LATES |
| 167516 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA to support appraisal value; CU score 3.7 | 7.22.25 DVR provided, please clear finding.7.23.25 exception satisfied | 7.23.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned primary / current residence for 4+ years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 770 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: $28,417.65 reserves in file or 18.21 months PITI > required guidelines |
| 167399 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided at current residence fot the past 3 years and 0 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Median FICO 702 > 62 points above guideline program minimum of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 39 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 167430 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 7.25.25 Final settlement statement provided, please clear finding.7.25.25 exception satisfied | 7.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post close reserves are $49,224.69. No reserves required for this transaction with LTV < 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage history of 33 months 0 x 30 exceeds guideline requirement of 1 x 30 past 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 57.98% is below max guideline requirement of 70.00%. |
| 167521 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at current residence for 6 years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying fico is 715. G/l min is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 8.42 months piti reserves. 6 months required. |
| 167408 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%; guidelines allow 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score is 767, above minimum program requirement. |
| 167400 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 8-14-25 Client uploaded HUD. | 8-15-25 XXXX reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrowers have owned/occupied primary residence for 15 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 0x30 x33 months > max permitted of 1x30 x12 months<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Low usage of available revolving credit lines @ 8.41%<br>CFCFS2860: Good credit history<br> - XXXX Comments: Consumer debt: 2x30 x greater than 99 months<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 75% LTV < max permitted of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 742 mid score > min required of 660 |
| 167519 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 663 is 3 points above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 40.16%; guidelines allow 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has $140,024.05/86.58 PITIA which is > guideline minimum of 6 months PITIA. |
| 167456 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | Provide sources for the following deposits in XXX# XXX. Subject to asset recalc and may be subject to additional conditions upon review.1. 8/13/25 $XXX2. 8/22/25 $XXX | 11.18.2025 Client provided Lender LOX stating our guidelines only require large deposits at UW discretion; we allow gift funds and there is no DTI so I wouldn't consider $XXX to be large and the other deposit is from a transfer from another account. Response, agree $XXXsays is a transfer from #XXX however statement was not provided to support the transfer and Client guidelines do state: single deposit that represents more than 50% of the monthly average deposit balance is considered as a Large deposit, XXX#XXX do not provide this monthly average deposit balance. Condition remains 12/11 Client provied an Email and remioved XXX#XXX asset account from qualifuing | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 733 qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 11 + years at primary residence |
| 167456 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Borrower is a first time investor 12 months reserves are required and verified reserves are 8.53 months PITI; Provide additional reserves to meet 12 months min | 11/25 Client provided an approved exception to allow the file with 8.53 months reserves | Upon review by XXXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 733 qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 11 + years at primary residence |
| 167456 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Waived D B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Per guidelines, 2 months most recent consecutive statements are required for checking / savings accounts.In file:XXX# XXX, 8/29/25XXX, 8/31/25Provide second statement for each of above, meeting guidelines. Subject to asset recalc and may be subject to additional conditions upon review. | 10.28.2025 Client provided exception approval to allow for one month, guidelines require two months | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score 733 with being a current residence over 11 years | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 733 qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 11 + years at primary residence |
| 167456 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Waived D B | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | 1. Provide final fully executed Hud -1 / Settlement statement in Borrower's name. Document in file is not executed and is only in Guarantor's name..2. Per guidelines, escrow account for reserves is to be set up; per Hud -1 / settlement statement - no escrow account. May be subject to additional conditions upon review. | 10/29 Client requested a review; Condition remains for 1. the Final settlement statement; Provide a settlement statement marked FINAL by the closing agent or executed by the Borrower 2. Per guidelines, escrow account for reserves is to be set up; per Hud -1 / settlement statement - no escrow account. 11.18.2025 Client provided LOX stating, Our closing documents do not generate a HUD-1 with the LLC as XXX. This is why the LLC is listed for vesting but XXX appears on the other closing documents. Could you please advise on an exception for this and the escrow account requirement, I also did not see a signature line for the HUD-1 document but provided the addendum page with signature. Response, condition remains (a). did not locate the addendum page with signature, per Lender LOX for review of considering HUD-1 as final and (b). guidelines require escrow account for reserves to be set up and per HUD-1 settlement statement, no escrow account was set up. 12/8 Client provided an approved exception to allow the file without a HUD mared final and with No escrows | Upon review by XXXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 733 qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 11 + years at primary residence |
| 167456 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV is 80%Max LTV is 80%; however, Borrower is a First time investor. Per guidelines, max LTV is cut to 75%.Guides:First Time Investors 5% LTV reduction applies | 11/25 Client provided an approved exception to allow the file at 8% LTV | Upon review by XXXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 733 qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 11 + years at primary residence |
| 167456 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Per guidelines. Provide the following.May be subject to additional conditions upon review.1. Certificate of Good Standing for Borrower / Guarantor ; No more than 30 DAYS from the note date2. Operating documents including operating agreement (in file), partnership agreement and bylaws3. Executed W9 for Borrower / LLC | 10.26.2025 Client provided SOS dated 8.15.2025 (also independently pulled post close/active) and provided executed W9 along with Operating Agreement for LLC | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 733 qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 11 + years at primary residence |
| 167456 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | File is missing Guaranty Agreement | 10.17.2025 Client provided executed Guaranty Agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 733 qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 11 + years at primary residence |
| 167427 | XXXXXX | PA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing a copy of the full Operating Agreement for XXX that details ownership of the entity and access to funds in the entitys bank acct XXX XXX and XXX or official documentation from the bank substantiating that the applicant is an authorized signor and has access to business account funds. | 10.8.2025 Client provided documentation verifying Borrower is 100% owner in which would have full access to these business bank assets having full control with 100% owner | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying credit score of 802 exceeds guideline minimum credit score of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post close reserves verified at $134,344.27, required reserves are $13,649.28.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history shows no derogatory since account opening 2/2020. |
| 167474 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | 71.43% LTV exceeds the XXX Aspire Expanded DSCR ratio greater than or equal to 80%; Max of 70% for an investment Cashout for loan amt <$2.0m and FICO 720. The loan current DSCR ratio is .8730%. | 10.25.2025 Client provided Lender LOX stating, Seller comment: I have DSCR calculated at 1.008 (using lease of $2,600 with 3 months rent receipt). Not sure if they saw that but I wrote it up on my notes. Documentation is in file. Response, executed Lease was provided supporting $2,600 along with evidence of 3 months receipt of rent however&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; per guidelines: Gross Rental Income? Leased property/unit: The lower of in-place rent and market rent from 1007, whichever is lower. Initial condition remains, the lower of in place rent and market rent from 1007, whichever is lower to be used for calculation12/4 Client provided an approved exception to to allow the file using the Lease for rental income recalculated DSCR using lease $2600/$2577.26= 1.008 | XXXX final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: The borrower's middle credit score is 801, which is 81 points higher than the benchmark score of 720.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: The borrowers have not had any 30-day, 60-day, or 90-day late payments on the XXXX mortgage accounts within the last 24 months. |
| 167403 | XXXXXX | ID | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Per guidelines, provide below.May be subject to additional conditions upon review:'Required for all Borrowers/Guarantors: All members must be disclosed. (met) Personal identification is required for all material owners. (provide for Guarantor and 2nd owner) Personal identification of guarantor and/or borrower (drivers license, passport or other government issued photo identification) (provide) Formation documents including Articles of Organization (provide) Operating documents including operating agreement (XXXX), partnership agreement (provide) and bylaws (provide). Certificate of Good Standing (provide) Executed W9 (Provide for Borrower/LLC) (XXXX for Guarantor) | 10.8.2025 Client provided some documentation that was in file and already review, initial condition remains for the documentation that was not provided, stated as such in initial condition 11.17.2025 Client provided LOX from 2nd owner stating aware of the subject refinance and provided EIN for business and provided executed copy of Operating Agreement (in which was in file) however still missing (a). Certificate of good standing dated prior to closing (b). missing Articles of Organization or Certificate of Formation and (c). missing personal identification for Borrower12/15 Client provided required ites for A.B.C. above | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 8 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 758 qualifying score |
| 167403 | XXXXXX | ID | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | File is missing Guaranty AgreementAll loans are required to have a full recourse personal guaranty by all material owners | 10.8.2025 Client provided executed Guaranty Agreement by one owner, each owner have 50% ownership, both appears to be material owners | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: 8 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 758 qualifying score |
| 167426 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $7,024.12, 2.78 months. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score of 720 exceeds the guideline minimum of 700.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower is using 21% of the available revolving limit. |
| 167511 | XXXXXX | MN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 675 is 15 points above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 58.68%; guidelines allow 65% due to mortgage lates.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has $35,973.63/34.72 ITIA which is > guideline minimum of 6 months ITIA. |
| 167494 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3750 | TRID - Error #10 discovered on Closing Disclosure | No | HUD shows borrower had to bring $XXXX to close. The borrower actually received that amount. | 9-22-25 Client uploaded corrected HUD. | 9-23-25 XXXX reviewed HUD which reflects cash to borrower. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers 689 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 44.9 months reserves is above the 6 required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers 21 years of mortgage history is above the required 12 months,<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 25 years living at primary residence. |
| 167494 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | C | B D A | C | B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing required CDA desk review, AVM or CU score to support original appraisal value in file. | 9-19-25 Client uploaded CDA. | 9-22-25 XXXX reviewed CDA and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers 689 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 44.9 months reserves is above the 6 required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers 21 years of mortgage history is above the required 12 months,<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: 25 years living at primary residence. |
| 167508 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing required documents to verify citizenship/residency, application shows borrower is permanent resident alien. | 9-16-25 Client uploaded corrected application and US passport reflecting borrower is US citiizen. | 9-17-25 XXXX reviewed 1003 and passport. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of692 is above the required 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history of128 months exceeds the required 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $26,748.75 or 7.23 months of PITIA. 6 months required. |
| 167513 | XXXXXX | OK | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Property does not meet minimum square footage requirements of 700 square feet for single family home per guidelines 1.9.1.4, square footage is XXXX. XXXX considers this non material as comparables found at similar square footage with no sales resistance and acceptance; also, borrower has credit score of 728/700 minimum and minimal credit usage of 9%. | 09.17.2025 - Acknowledged by client. | 09.17.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXXX Comments: 9% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying fico is 728. G/l min is 700 |
| 167499 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 783. The guideline minimum is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $59,024.01, 35.99 months. No reserves required,<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 38 months on-time mortgage payments exceeds the guideline minimum of 12 months. |
| 167506 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Correct application to reflect correct residency status. Application reflects Citizen and Permanent resident alien card in file. | 8-20-25 Client uploaded corrected 1003. | 8-21-25 XXXX reviewed 1003. Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - XXXX Comments: Mortgage payment history of 29 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers 728 FICO score is above the 700 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $209,452.44, 80.86 months. 0 months required. |
| 167509 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 full months of primary housing history. Property report in file indicates a previous mortgage. Current mortgage verified with a beginning date of XXX. Loan closedXXX | 09.17.2025 - Acknowledged by client. | 09.17.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 667 is 7 points above minimum program requirement of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has $771,402.32/110.54 PITIA which is > guideline minimum requirement of 6 months PITIA.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has only used 9.108% of available revolving credit. |
| 167512 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 full months of primary housing history. Property report in file indicates a previous mortgage. Current mortgage verified with a beginning date of XXX. Loan closed XXX | 09.17.2025 - Acknowledged by client. | 09.17.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers 667 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrowers 111.01 months of reserves is greater than the 6 required.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has 4 years at current residence. |
| 167496 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 690 is 30 points above minimum program requirement of 660.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has only used 6% of available revolving credit.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers have0x30x48 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 167510 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 9.2.25 FSS rcvd | 9.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 770 is 70 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets: $XXX, 134.65 Months, 6 months required.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrowers have only used 1% of available revolving credit. |
| 167495 | XXXXXX | NC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Application is missing citizenship declaration. | 9-19-25 Client uploaded 1003 corrected. | 9-19-25 XXXX reviewed 1003. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Median FICO 674 > 14 points above guideline program minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 76.44% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has resided at current residence for the past 2 years and 0 months. |
| 167505 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 789. The guideline minimum is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $987,711.70 or 216.79 months. No reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 68 months on-time payment history exceeds 12 months required by guidelines. |
| 167507 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of675 is above the required660<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of41.4 is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $79,541.97 or 18.56 months of PITIA. 6 months required. |
| 167401 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Provide 1004D or similar document from appraiser to certify repairs as complete. Pictures in file do not support completion on their own. | 9-5-25 Client replied: the attached UW Certification, along with a copy of the purchase invoice showing that 5 smoke/CO detectors were purchased along with pics of the installed detectors. The photos can be compared to the interior wall photos in the appraisal. | 9-8-25 XXXX reviewed Photos and invoice and Certification. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 80 is below guideline requirement max of 85.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified reserves of $62,917.45 or 23.30 months PITI reserves exceed guideline require reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 759 exceeds guidelines. |
| 167501 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $478,670.80 or 187.61 months. 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Verified credit score 782. The guideline minimum is 700.<br>CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has been at primary residence 7 years. |
| 167498 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: $101865.56, 36.95 months, 12 months required due to ownership seasoning less than 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 52.17% is below the maximum of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 673 is below the minimum of 660 |
| 167514 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 802 is above the required 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $12,004.84 or 3.6 months of PITIA. 0 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Mortgage payment history of75 months exceeds the required 12 months. |
| 167497 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 784 is 84 points above minimum program requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has only used 1% of available revolving credit.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers have0x30x55 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 162381 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 692 Score exceeds 640 Min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets verified for reserves are $86,576.49or 12.9 months PITI and required is 6 months |
| 162381 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | 1003 indicates a $XXX Gift from parents. However, the gift letter is blank for the dollar amount and missing proof of receipt of gift | 9/9 Client provided wires for receipt of gift funds $XXX and evidence that $XXX of gift was refunded to Donor at closing due to Gift amount exceeded cash to close required, also provided 1008 ; However, Gift letter provided is still blank for dollar amount of gift ; Provide fully executed gift letter with Dollar amount of gift completed $XXX after refund.9/10 Client provided the updated gift letter | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 692 Score exceeds 640 Min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets verified for reserves are $86,576.49or 12.9 months PITI and required is 6 months |
| 162381 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing the 1008 | 9/9 Client provided the 1008 | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 692 Score exceeds 640 Min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Assets verified for reserves are $86,576.49or 12.9 months PITI and required is 6 months |
| 167493 | XXXXXX | KY | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Insufficient trade lines reported on credit to meet the minimum requirement of at least 3 trade lines reporting for 12 months or 2 reporting for 24 months with activity in past 12 months. | 10.26.2025 Client provided exception approval for tradelines not meeting guidelines | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned his primary residence for 8 years 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 55.93% LTV is 19.07% below the maximum allowable LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 733 is 93 points above the minimum required score of 640. |
| 167493 | XXXXXX | KY | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | 1) File is missing a Borrower Contact Consent Form.2) File is missing Certificate of Good Standing for LLC. | 10/28 Client provided the contact consent form and the Certificate of good standing | SAtisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXXX Comments: Borrower has owned his primary residence for 8 years 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 55.93% LTV is 19.07% below the maximum allowable LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 733 is 93 points above the minimum required score of 640. |
| 167503 | XXXXXX | NC | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | credit score 673 which is below 720 needed for DSCR is .81 | 9/26 Client provided an approved exception for a credit score of 673 and DSCR of .81 using 100% of rent from 1007 | XXXX final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: Current LTV 38.88 |
| 167437 | XXXXXX | AR | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 6 months reserves required, borrower only has 2 months reserves | 9/24 Client asked for a review; upon review the file has sufficient assets using cash out proceeds | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 45.48%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying credit score 691 |
| 167437 | XXXXXX | AR | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL225 | Missing Rider | No | Missing PPP Rider. | 9/24 Client provided an Email; on review the Note does not have a Prepayment penalty; The Deed of Trust has an incorrect box checked indicating PPP rider should be attached; Provide a scriveners affidavit to confirm the box will be corrected to reflect no PPP and intent to record the affidavit.9.24.2025 Client provided updated executed Mortgage with no Prepayment penalty Rider attached to mortgage | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 45.48%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying credit score 691 |
| 167428 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 0X59 mortgage payment history exceeds guide lines of 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Fico score 646 exceeds guide lines. |
| 167477 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Compliance | Documentation | Satisfied D A | CMPDOC3280 | One or more Applications in file are incomplete | No | The loan file is missing page 3 of the final application/1003. | 10/29/25 Client provided all pages of the Final 1003. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: The borrower have total cash asset reserves of $XXX, which equates to 42.52 months of PITIA reserves. Calculation: $74,158.89 $1,744.18= 42.52 months of PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the XXXX within the last 24 months. |
| 167477 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | The minimum FICO score required for a first-time investor is 680. The borrowers current FICO score is 674, which falls short of this requirement. Additionally, the file does not contain documentation showing that the borrower has owned two or more properties for at least 12 months within the past 36 months, has three years of experience managing income-producing properties, or holds a certificate or proof of equivalent coursework in real estate property management. | 11/20 Client provided an approved exception to allow the file with a 674 score | XXXX final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: The borrower have total cash asset reserves of $XXX, which equates to 42.52 months of PITIA reserves. Calculation: $74,158.89 $1,744.18= 42.52 months of PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXXX Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the XXXX within the last 24 months. |
| 167406 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient assets verified in the file to meet the reserve requirement. Total assets verified were $XXX with cash required to close of $XXXX leaving $XXX, or 6.09 months of PITI available in reserves. 12 months PITI in reserves required due to self-managed property and no documentation was provided in the file verifying borrower has 3 years of experience managing income producing properties or certification or proof of equivalent coursework in real estate property management. First Time Investors permitted with a 680 minimum FICO, max LTV is 70%, minimum 12 months reserves. 1 month business bank statement was provided in the file; however, a copy of the full Operating Agreement that details ownership of the entity and access to funds in the entitys bank/brokerage account, or formal or official documentation from the bank substantiating that the applicant is an authorized signor and has access to business account funds was not provided in the file. Client guidelines do not indicate a K1 statement is acceptable in lieu of the required documentation to use business funds. | 11/25 Client provided an approved exception to allow the file with verified reserves of 6.09 months PITI | Upon review by XXXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Representative Credit Score721 |
| 167406 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Waived D B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File is missing an additional consecutive month's bank statement for XXX\*XXX account. An account statement beginning on 8/1/2025 and an account print-out as of 9/24/2025 were provided in the file. 2 full months most recent account statements are required. | 10.28.2025 Client provided exception approval to allow for one month bank statements, guidelines require two months | Upon further review by Senior Underwriter, exception is deemed non-material. Exception is approved, B Grade with compensating factors: Fico score 721 with over 21 years of credit history | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Representative Credit Score721 |
| 167406 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | 1) File is missing verification of subject property prior mortgage payment history verifying no more than 1X30 late payments in the last 12 months. Prior mortgage is not reported on credit.2) A 3rd party fraud report indicates borrower owns another property located at XXX which was acquired on XXX with a loan amount of $XXX. Mortgage payment history verifying no more than 1X30 late payments in the last 12 months is required. If property was sold over 12 months ago, then documentation verifying sale of property and the date of sale will be required. | 10.26.2025 Client provided tax property report verifying property (XXX) in business name and provided appears to be some duplicate mtg statements for current mtg w/XXX for subject and provided copy of subject Interest only Note (verifying just acquired subject as of XXX) with 1st payment starting XXX and provided mtg statements for each month starting May - September 2025 supporting payment history | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Representative Credit Score721 |
| 167406 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | DTI | Waived B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DSCR calculated per GLS using 1007 is $3,500/$3,843.40 PITI = 0.9106 DSCR. Lender used Lease $3850/$3843.40 for a 1.0017 DSCR | 11/25 Client provided an approved exception to allow the higher lease DSCR calculation resulting in a DSCR of 1.0017 | XXXX final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Representative Credit Score721 |
| 167406 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | LTV/CLTV | Waived B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Subject loan LTV of 70.82% exceeds the maximum allowable LTV of 70%. Subject property was acquired less than 12 months ago which requires the LTV/CLTV/HCLTV ratios to be based on the lesser of the cost basis (defined as the original purchase price plus documented improvements made after the purchase of the property), or the current appraised value of the property. Property was acquired on XXX at a cost of $XXX which is below the appraised value of $XXX. Also, borrower does not meet the experienced borrower status requirements which requires a 5% reduction in maximum allowable LTV and DSCR is below 1.00. | 11/25 Client provided an approved exception to allow the file with an LTV of 70.82% | XXXX final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Representative Credit Score721 |
| 167406 | XXXXXX | WA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing a Borrower Contact Consent Form. | 10.22.2025 Client provided executed Borrower Contact Consent form | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Representative Credit Score721 |
| 167485 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 664 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 51.852% LTV is below the 70% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: 43.35 months reserves is above the 6 required. |
| 167486 | XXXXXX | IL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 month payment history for XXX#XXX verifying payment history and borrower is an experienced investor. Credit report does not verify acct and only have July and August payment verified. | 10.29.2025 - Acknowledged by client. | 10.29.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV 65% is below the maximum of 70%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 675 exceeds the minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $131039.34, 39.03 months, 6 months required<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: 14% of revolving credit utilized |
| 167478 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing XXX VOM for subject property. | 10.29.2025 - Acknowledged by client.11-4-25 Client emailed XXX mortgage payment history printout. | 10.29.2025 - Non material exception remains.11-4-25 XXXX reviewed XXX mortgage payment history printout which matches the loan number on the payoff in the original file which is reflected in the name of XXX. Property was titled in The XXX trust of 2011 which is in the file and reflects XXX as successor trustee. Printout is deemed acceptable along with payoff reflecting loan was current. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 60% LTV is below the 70% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers 675 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $414,773.78, 115.1 months. 6 months required. |
| 167478 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final hud-1. | 10-2-25 Client uploaded final HUD. | 10-2-25 XXXX reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: 60% LTV is below the 70% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Borrowers 675 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves = $414,773.78, 115.1 months. 6 months required. |
| 167407 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 755 is 55 points above minimum program requirement of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers have0x30x31 months mortgage payment history exceeding guideline requirement of 1x30x12.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has $13,900.27/12.74 PITIA which is > guideline minimum of 0 months PITIA. |
| 167480 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines require first time investors living rent free in the spousal home be supported with verification that mortgage is current with 12 months history of mortgage payments, 18.2.3.1. Only 1 month history found in file. | 10-3-25 Client replied: attached is 12 mos mortgage statements evidencing payment history (10/2024-9/2025) | 10-6-25 XXXX reviewed REO statements. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 716 is 16 points above minimum program requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower is only using 9.717% of available revolving credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has $25,637.29/9.61 PITIA which is > guideline minimum of 0 months PITIA. |
| 167481 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 57.39 is below guideline requirement max of 70.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Verified reserves of $189,421.76 or 122.06 months PITI reserves exceed required reserves of ($1,551.93 x 6 = $9,311.58).<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 677 is above the required 660. |
| 167422 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of677 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of65.84 is below the maximum allowable of 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $243,038.92 or 118.25 months of PITIA. 6 months required. |
| 167420 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score 757 exceeds the minimum of 700<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: 13% revolving credit utilized based on Randys debt<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves $651836.87, 146.63 months reserves, 0 months required<br>CFCFS1750: High potential for increased earnings<br> - XXXX Comments: DSCR: 2.1850 (Rent $9713 / Expenses $4445.37) |
| 167483 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 685 is above the required 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves= $83,507.61, 16.29 months. 6 months required. |
| 167423 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Assets | Satisfied B A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing 30 days asset verification. XXXX business checking statement in file provides 1 week of account history (10/1/25-10/8/25). Closing date is XXX. Missing the 9/2025 statement to complete required 30 days. XXXX deems non-material/non-fatal to lending decision due to the following compensating factors: 728 mid-score per CBR, 180 months of 0x30 consumer credit history and active revolving tradeline usage is 9%. | 10.29.2025 - Acknowledged by client.11-4-25 Client emailed rebuttal. | 10.29.2025 - Non material exception remains.11-4-25 XXXX reviewed email explanation and file. XXX Financial statement although dates reflected as 10-1 to 10-31-25 this is an erroneous reporting issue on XXX Financials part as the loan was reviewed on 10-14-25 with this document in the file. A letter from XXX Financial dated 9-10-25 provided as verification for the ACH and provided an open date of this account as 9-9-25 along with the XXX Financial Statement reflecting transactions from Oct 1 to 10-8-25. XXXX deems 30 days history met. Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 728 mid-score per CBR.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 9%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: Consumer payment history of180 months exceeds the required minimum. |
| 167423 | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Waived B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Mortgaged properties exceed guidelines. Credit committee review on file approving exception to proceed with 6 other mortgaged properties noted. XXXX deems non-material/non-fatal to lending decision due to the following compensating factors: 728 mid-score per CBR, 180 months of 0x30 consumer credit history and active revolving tradeline usage is 9%. | 10.29.2025 - Acknowledged by client. | 10.29.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: 728 mid-score per CBR.<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 9%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: Consumer payment history of180 months exceeds the required minimum. |
| 167421 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of788 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 15%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $191,434.69 or 43.4 months of PITIA. 0 months required. |
| 167482 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Post closing reserves $30,589.11, 5.03 months; 3 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: Borrowers have0x30x56 months mortgage payment history exceeding guideline requirement 1x30x12.<br>CFCFS2860: Good credit history<br> - XXXX Comments: Borrower has 0x30x99 on all active tradelines. |
| 167398 | XXXXXX | TN | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Missing exception for number of mortgaged properties. Per 1008 notes this loan is part of a 6-pack and credit committee review is required. Guidelines allow 4 HEM financed properties. XXXX deems non-material/non-fatal to lending decision due to compensating factors: 118.43 months cash reserves/6 required, 34.15% LTV/75 Maxmimum and credit score of 712/660 minimum. | 11.24.2025 - Acknowledged by client. | 11.24.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $129243.44 or 118.43 months of PITIA. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of712 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV of 34.15 is below the maximum allowable of 75 |
| 167479 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of720 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 9%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $66513.01 or 10.71 months of PITIA. 0 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXXX Comments: 30 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: 80 months of 0x30 consumer credit history per CBR. |
| 167424 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 10-15-25 Client replied: please see the uploaded final ss10-21-25 Client uploaded final HUD. | 10-16-25 XXXX reviewed estimated HUD dated 0-7-25 - Still missing final HUD. Exception remains. 10-22-25 XXXX reviewed and updated data points for HUD. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 669 is 9 points above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 43.697%; guidelines allow 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Borrower has $24,202.30/8.54 PITIA which is > guideline minimum of 6 months PITIA. |
| 167466 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Provide updated application with citizenship completed | 10-8-25: client uploaded fully completed loan application. | 10-8-25: XXXX reviewed the fully completed loan application, borrower is US Citizen. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO is 767, minimum required by G/L is 740<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: The borrower has 11 years of established credit with 13 open and active tradelines 0X30, and 13% utilization |
| 167466 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 3 months reserves required, $20,424.99, post close reserves verified is $3991.49. The only asset account is XXX XXX 9-19-25 with balance of $XXX. | 10-8-25: in an email, client questioned need for reserves on NONI product.10-10-25: Client uploaded exception to approve with short reserves, borrower has .7 months/3 months guidelines.10.29.2025 - Acknowledged by client.11-4-25 Client emailed rebuttal. | 10-8-25: XXXX responded that loan is in NONI + which requires 3 months reserves; exception remains.10-10-25: XXXX deems short reserves to be non material/non fatal as borrower is experienced homeowner, with excellent credit history for 11 years, and credit score 767/740 minimum. Exception remains, B grade.10.29.2025 - Non material exception remains.11-4-25 XXXX response: The above loan was approved as a NONI+ and requires 3 months cash reserves which we received a post close exception on 10-10-25. Non-material exception remains with final grade as a B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Qualifying FICO is 767, minimum required by G/L is 740<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXXX Comments: The borrower has 11 years of established credit with 13 open and active tradelines 0X30, and 13% utilization |
| 169432 | XXXXXX | MA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Missing Citizenship/Residency on application. Unable to determine if additional documents are required. | 3-2-26 Client uploaded revised 1003. | 3-4-26 XXXX reviewed lender updated 1003 with US citizen checked. Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 9%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $646555.48 or 37.01 months of PITIA. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of705 is above the required 700 |
| 164925 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of 767 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - XXXX Comments: LTV is 80%; guidelines allows 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves= $62,510.96, 20.85 months. 0 months required. |
| 164927 | XXXXXX | OK | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL195 | Missing Note | No | Please provide copy of Note. | 12-11-25 Client uploaded note. | 12-12-25 XXXX reviewed and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXXX Comments: Credit score of758 is above the required 740<br>CFCFS5269: Minimal use of credit<br> - XXXX Comments: Borrower has minimal use of credit with credit usage ratio of 0%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXXX Comments: Cash reserves: $102,000.02 or 12.8 months of PITIA. 0 months required. |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 166172 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 166167 | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 166165 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 166171 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 166163 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 153465 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166164 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| 166154 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 166162 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166152 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166160 | XXXXXX | XXXXXX D B A C | A | A D B C | A | A | No |
| 166158 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 166133 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 166169 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 166128 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 166127 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 164841 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 164842 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 164844 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 165854 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 165790 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 164318 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 165793 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 165781 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 165869 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 164845 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 165791 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 164847 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 164850 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 164851 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 164853 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 164855 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 164857 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 164860 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 163197 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 164862 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 165876 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 166482 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 166483 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 166484 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 165856 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 164867 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 165887 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 164870 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 164871 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 165894 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 166116 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 165884 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 164874 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 164876 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 164877 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 166486 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 165853 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 164884 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 166995 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 169503 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 166961 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 163939 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 164890 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 164892 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 164896 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 164897 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 164899 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 166487 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 164903 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 164904 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 166489 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 166490 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 164907 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 164908 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 166523 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 166492 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 164913 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 165865 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 165881 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 167009 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166119 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 164921 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 166495 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 166520 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 164922 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 166496 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166122 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 166497 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 165901 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 166500 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166501 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166124 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 167033 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 167029 | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 166125 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166521 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166507 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 166525 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 166514 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 169452 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 167013 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166962 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 167028 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 166998 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 166982 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 167036 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 167023 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 167000 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 167014 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 167031 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 167022 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 167008 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 166972 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 166963 | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 167006 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 167035 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 167027 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 166997 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 166957 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 169479 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 169428 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 169446 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 169431 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 169402 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 169444 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 169419 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 165767 | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 165772 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Yes |
| 165768 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 165784 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 165759 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 165773 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 165786 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 165777 | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 152706 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 165771 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 165776 | XXXXXX | XXXXXX D A C | D | A D C | D | A | No |
| 165783 | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 165785 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 165778 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 166243 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 166247 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 166244 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 166234 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 166249 | XXXXXX | XXXXXX D B C A | N/A | N/A D B C | N/A | N/A | No |
| 166246 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 166241 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 166245 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 166238 | XXXXXX | XXXXXX C B A | C | A C B | C | A | No |
| 166239 | XXXXXX | XXXXXX C B A | C | A C B | C | A | No |
| 167392 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 167528 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 167526 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 167393 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 167502 | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 167429 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Yes |
| 167517 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 167516 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 167399 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 167430 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 167521 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 167408 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 167400 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 167519 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 167456 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| 167427 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 167474 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 167403 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 167426 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 167511 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 167494 | XXXXXX | XXXXXX D B A | C | B D A | C | B | Not Applicable |
| 167508 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 167513 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 167499 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 167506 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 167509 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 167512 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 167496 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 167510 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 167495 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 167505 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 167507 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 167401 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 167501 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 167498 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 167514 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 167497 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 162381 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 167493 | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 167503 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 167437 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 167428 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 167477 | XXXXXX | XXXXXX D B A | D | A D B | D | A | Not Applicable |
| 167406 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 167485 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 167486 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 167478 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 167407 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 167480 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 167481 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 167422 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 167420 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 167483 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 167423 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 167421 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 167482 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 167398 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 167479 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 167424 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 167466 | XXXXXX | XXXXXX D B A | A | A D B | A | A | No |
| 169432 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 164925 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 164927 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *163* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** |
| 166172 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 166167 | XXXXXX | Combined LTV | 70.0000 | 80 |
| 166167 | XXXXXX | Debt to Income Ratio (Back) | 5.1200 | 13.9887 |
| 166167 | XXXXXX | Note Rate | 7.2500 | 7.75 |
| 166167 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 166167 | XXXXXX | Property Type | SFR | SFR-Attached |
| 166167 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166165 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166163 | XXXXXX | Debt to Income Ratio (Back) | 39.3900 | 44.8289 |
| 153465 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| 153465 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166164 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 166164 | XXXXXX | Property Type | SFR | Attached PUD |
| 166154 | XXXXXX | Property Type | 2 Family | 3 Family |
| 166162 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166158 | XXXXXX | Property Type | 2 Family | 3 Family |
| 166158 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166133 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 166133 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166169 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 166169 | XXXXXX | Property Type | 2 Family | 4 Family |
| 166169 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166128 | XXXXXX | Debt to Income Ratio (Back) | 22.9800 | 27.6428 |
| 166128 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 166128 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166127 | XXXXXX | Property Type | SFR | Detached PUD |
| 164841 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164842 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164844 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 165854 | XXXXXX | Credit Report Date | 9/19/2025 | 11/14/2025 |
| 165790 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 165790 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164318 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 165781 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164845 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 165791 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164847 | XXXXXX | Property Type | SFR | SFR-Attached |
| 164847 | XXXXXX | Representative Credit Score for Grading | 667 | 677 |
| 164850 | XXXXXX | Property Type | Low Rise Condo (1-4) | Site Condo |
| 164851 | XXXXXX | Cash Reserves | 70738.6200 | 22646.57 |
| 164851 | XXXXXX | Credit Report Date | 9/9/2025 | 10/3/2025 |
| 164851 | XXXXXX | Months Reserves | 37.0000 | 7.14 |
| 164851 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164853 | XXXXXX | Cash Reserves | 50000.0000 | 66073.28 |
| 164853 | XXXXXX | Months Reserves | 30.0000 | 16.98 |
| 164853 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 164855 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164857 | XXXXXX | Cash Reserves | 112388.0000 | 20773.56 |
| 164857 | XXXXXX | Months Reserves | 48.0000 | 4.92 |
| 164857 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164860 | XXXXXX | Cash Reserves | 650127.3500 | 315366.92 |
| 164860 | XXXXXX | Documentation Type | Asset Depletion | Alt Doc/Bank Statements |
| 164860 | XXXXXX | Months Reserves | 53.0000 | 53.03 |
| 164860 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 163197 | XXXXXX | Combined LTV | 71.3400 | 75 |
| 163197 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164862 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 165876 | XXXXXX | Ever in Foreclosure | Yes | No |
| 165876 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166483 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166484 | XXXXXX | Cash Reserves | 393056.0800 | 344989.33 |
| 166484 | XXXXXX | Months Reserves | 87.0000 | 68.24 |
| 166484 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 166484 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 165856 | XXXXXX | Cash Reserves | 40000.0000 | 80922.13 |
| 165856 | XXXXXX | Months Reserves | 82.0000 | 54.82 |
| 164867 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164871 | XXXXXX | Cash Reserves | 122157.6500 | 19993.02 |
| 164871 | XXXXXX | Combined LTV | 71.3200 | 73.5 |
| 164871 | XXXXXX | Months Reserves | '-2.0000 | 6.7 |
| 164871 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 165894 | XXXXXX | Cash Reserves | 40495.0000 | 3652.21 |
| 165894 | XXXXXX | Combined LTV | 76.9200 | 80 |
| 165894 | XXXXXX | Months Reserves | 61.0000 | 2.86 |
| 165894 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166116 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 166116 | XXXXXX | Cash Reserves | 159354.9700 | 126759.02 |
| 166116 | XXXXXX | Months Reserves | 37.0000 | 54.31 |
| 166116 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 165884 | XXXXXX | Cash Reserves | 188539.5400 | 384148.85 |
| 165884 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 165884 | XXXXXX | Months Reserves | 115.0000 | 94.61 |
| 165884 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 165884 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164874 | XXXXXX | Cash Reserves | 183545.1400 | 88085.15 |
| 164874 | XXXXXX | Months Reserves | 3.0000 | 16.17 |
| 164874 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164876 | XXXXXX | Cash Reserves | 48385.3300 | 182041.2 |
| 164876 | XXXXXX | Months Reserves | 3.0000 | 25.7 |
| 164876 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164877 | XXXXXX | Cash Reserves | 245257.7800 | 50314.19 |
| 164877 | XXXXXX | Months Reserves | 13.0000 | 13.15 |
| 164877 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166486 | XXXXXX | Cash Reserves | 113170.6800 | 22668 |
| 166486 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 165853 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164884 | XXXXXX | Cash Reserves | 57609.3900 | 552.32 |
| 164884 | XXXXXX | Months Reserves | 58.0000 | 0.29 |
| 164884 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166995 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 166995 | XXXXXX | Debt to Income Ratio (Back) | 40.9320 | 35.8278 |
| 166995 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 169503 | XXXXXX | Combined LTV | 82.5100 | 85 |
| 169503 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166961 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 166961 | XXXXXX | Representative Credit Score for Grading | 680 | 741 |
| 163939 | XXXXXX | Debt to Income Ratio (Back) | 37.8060 | 23.9182 |
| 164890 | XXXXXX | Cash Reserves | 128931.8100 | 52471.15 |
| 164890 | XXXXXX | Combined LTV | 72.0200 | 75 |
| 164890 | XXXXXX | Months Reserves | 80.0000 | 32.49 |
| 164890 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164892 | XXXXXX | Cash Reserves | 60000.0000 | 1547.6 |
| 164892 | XXXXXX | Combined LTV | 77.3600 | 85 |
| 164892 | XXXXXX | Months Reserves | 54.0000 | 0.94 |
| 164892 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164896 | XXXXXX | Cash Reserves | 609156.8000 | 308957.31 |
| 164896 | XXXXXX | Combined LTV | 77.0200 | 80 |
| 164896 | XXXXXX | Months Reserves | 125.0000 | 45.04 |
| 164896 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164897 | XXXXXX | Combined LTV | 76.7800 | 79.9815 |
| 164897 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 164897 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164899 | XXXXXX | Cash Reserves | 182688.4700 | 263301.41 |
| 164899 | XXXXXX | Months Reserves | 235.0000 | 234.55 |
| 166487 | XXXXXX | Cash Reserves | 207092.6800 | 96377.53 |
| 166487 | XXXXXX | Months Reserves | 53.0000 | 15.81 |
| 166487 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164904 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166489 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 166489 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166490 | XXXXXX | Cash Reserves | 71220.6000 | 26254.18 |
| 166490 | XXXXXX | Combined LTV | 69.9500 | 85 |
| 166490 | XXXXXX | Months Reserves | 13.0000 | 13.16 |
| 166490 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 166490 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164907 | XXXXXX | Cash Reserves | 12992.0000 | 108602.52 |
| 164907 | XXXXXX | Months Reserves | 63.0000 | 78.28 |
| 164908 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 164908 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166523 | XXXXXX | Cash Reserves | 14138.8400 | 24845.56 |
| 166523 | XXXXXX | Credit Report Date | 10/31/2025 | 12/2/2025 |
| 166523 | XXXXXX | Months Reserves | 6.0000 | 5.67 |
| 166523 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166492 | XXXXXX | Cash Reserves | 95132.3500 | 11358.49 |
| 166492 | XXXXXX | Months Reserves | 88.0000 | 10.43 |
| 166492 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164913 | XXXXXX | Cash Reserves | 59390.8900 | 30495 |
| 164913 | XXXXXX | Combined LTV | 81.0800 | 85 |
| 164913 | XXXXXX | Representative Credit Score for Grading | 722 | 740 |
| 164913 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167009 | XXXXXX | Cash Reserves | 155388.0000 | 28504.28 |
| 167009 | XXXXXX | Months Reserves | 7.0000 | 7.41 |
| 167009 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166119 | XXXXXX | Cash Reserves | 165630.3300 | 40463.98 |
| 166119 | XXXXXX | Combined LTV | 52.6300 | 54.9451 |
| 166119 | XXXXXX | Months Reserves | 171.0000 | 23.16 |
| 166119 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166495 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 166520 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164922 | XXXXXX | Cash Reserves | 96414.7800 | 63947.86 |
| 164922 | XXXXXX | Months Reserves | 14.0000 | 19.66 |
| 164922 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166496 | XXXXXX | Cash Reserves | 245110.0000 | 110147.65 |
| 166496 | XXXXXX | Months Reserves | 86.0000 | 38.43 |
| 166496 | XXXXXX | Representative Credit Score for Grading | 680 | 726 |
| 166496 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166122 | XXXXXX | Cash Reserves | 310024.4800 | 208991.37 |
| 166122 | XXXXXX | Combined LTV | 75.2100 | 80 |
| 166122 | XXXXXX | Months Reserves | 38.0000 | 38.67 |
| 166122 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 166122 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 166122 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166497 | XXXXXX | Cash Reserves | 510401.4300 | 146647.99 |
| 166497 | XXXXXX | Months Reserves | 15.0000 | 15.1 |
| 166497 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 165901 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 165901 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166500 | XXXXXX | Cash Reserves | 223607.5800 | 14865.71 |
| 166500 | XXXXXX | Combined LTV | 72.0000 | 74.9998 |
| 166500 | XXXXXX | Months Reserves | 63.0000 | 6.29 |
| 166500 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166501 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 166501 | XXXXXX | Cash Reserves | 273949.1700 | 198111.46 |
| 166501 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 166501 | XXXXXX | Months Reserves | 27.0000 | 26.28 |
| 166501 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166501 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 166124 | XXXXXX | Cash Reserves | 197620.8800 | 93372.16 |
| 166124 | XXXXXX | Combined LTV | 72.2700 | 75 |
| 166124 | XXXXXX | Months Reserves | 49.0000 | 23.03 |
| 166124 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167033 | XXXXXX | Cash Reserves | 10886.3900 | 152597.05 |
| 167033 | XXXXXX | Months Reserves | 71.0000 | 71.38 |
| 167033 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167029 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 167029 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 167029 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166125 | XXXXXX | Cash Reserves | 751223.9500 | 641171.4 |
| 166125 | XXXXXX | Months Reserves | 257.0000 | 191.07 |
| 166125 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166521 | XXXXXX | Credit Report Date | 11/18/2025 | 11/19/2025 |
| 166521 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 166521 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 166521 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 166507 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 166507 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 166507 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 166507 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 166525 | XXXXXX | Cash Reserves | 121565.0600 | 25088.03 |
| 166525 | XXXXXX | Months Reserves | 9.0000 | 8.54 |
| 166525 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166514 | XXXXXX | Cash Reserves | 92125.6500 | 45470.19 |
| 166514 | XXXXXX | Months Reserves | 13.0000 | 12.91 |
| 166514 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 169452 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167013 | XXXXXX | Cash Reserves | 191881.6400 | 60218.69 |
| 167013 | XXXXXX | Credit Report Date | 11/19/2025 | 1/6/2026 |
| 167013 | XXXXXX | Months Reserves | 14.0000 | 14.12 |
| 167013 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166962 | XXXXXX | Cash Reserves | 449866.1400 | 148528.34 |
| 166962 | XXXXXX | Credit Report Date | 10/28/2025 | 11/28/2025 |
| 166962 | XXXXXX | Months Reserves | 29.0000 | 28.85 |
| 166962 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166998 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 166998 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167036 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 167023 | XXXXXX | Credit Report Date | 10/23/2025 | 10/16/2025 |
| 167023 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 167023 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167000 | XXXXXX | Cash Reserves | 53823.1300 | 17168.41 |
| 167000 | XXXXXX | Combined LTV | 72.2200 | 80 |
| 167000 | XXXXXX | Months Reserves | 85.0000 | 16.1 |
| 167000 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167031 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167008 | XXXXXX | Credit Report Date | 11/19/2025 | 12/12/2025 |
| 167008 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166972 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 166972 | XXXXXX | Cash Reserves | 156167.3800 | 90818.42 |
| 166972 | XXXXXX | Months Reserves | 36.0000 | 32.46 |
| 166972 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166963 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 166963 | XXXXXX | Cash Reserves | 185683.5100 | 113987.71 |
| 166963 | XXXXXX | Months Reserves | 37.0000 | 36.82 |
| 166963 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166963 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 167006 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 167027 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 166957 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 166957 | XXXXXX | Cash Reserves | 56545.5400 | 24145.54 |
| 166957 | XXXXXX | Combined LTV | 82.9600 | 85 |
| 166957 | XXXXXX | Debt to Income Ratio (Back) | 47.7490 | 40.8101 |
| 166957 | XXXXXX | Months Reserves | 8.0000 | 7.57 |
| 166957 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 166957 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 169428 | XXXXXX | Credit Report Date | 1/13/2026 | 1/20/2026 |
| 169428 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 169446 | XXXXXX | Cash Reserves | 16079.8200 | 5266.86 |
| 169446 | XXXXXX | Combined LTV | 81.9600 | 85 |
| 169446 | XXXXXX | Months Reserves | 16.0000 | 3.11 |
| 169446 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 169446 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 169402 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 169444 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 169419 | XXXXXX | Cash Reserves | 59413.8900 | 3959.82 |
| 169419 | XXXXXX | Combined LTV | 67.5900 | 70 |
| 169419 | XXXXXX | Months Reserves | 137.0000 | 4.84 |
| 169419 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 165767 | XXXXXX | Cash Reserves | 150744.5000 | 161841.25 |
| 165767 | XXXXXX | Months Reserves | 24.0000 | 26.02 |
| 165768 | XXXXXX | Cash Reserves | 897573.8300 | 837554.02 |
| 165768 | XXXXXX | Months Reserves | 310.0000 | 311.35 |
| 165773 | XXXXXX | DTI Qualifying (Back) | 39.9600 | 48.8478 |
| 166247 | XXXXXX | Combined LTV | 80.0000 | 87.7419 |
| 166247 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 166247 | XXXXXX | Original LTV | 80.0000 | 87.7419 |
| 166244 | XXXXXX | Cash Reserves | 31618.5400 | 162803.6 |
| 166244 | XXXXXX | Months Reserves | 10.0000 | 52.42 |
| 166244 | XXXXXX | Property Type | High Rise Condo (9+) | Mid Rise Condo (5-8) |
| 166234 | XXXXXX | Cash Reserves | 159149.0700 | 451877.72 |
| 166234 | XXXXXX | DTI Qualifying (Back) | 41.3600 | 34.5538 |
| 166234 | XXXXXX | Documentation Type | Alt Doc/Bank Statements | Asset Depletion |
| 166234 | XXXXXX | Months Reserves | 72.0000 | 219.43 |
| 166249 | XXXXXX | Cash Reserves | 204385.7600 | 96592.03 |
| 166249 | XXXXXX | Months Reserves | 52.0000 | 25 |
| 166249 | XXXXXX | Property Type | Low Rise Condo (1-4) | Condotel |
| 166241 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 166245 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 166239 | XXXXXX | DTI Qualifying (Back) | 47.2200 | 44.0056 |
| 167526 | XXXXXX | Cash Reserves | 147091.0000 | 118898.85 |
| 167526 | XXXXXX | Months Reserves | 28.0000 | 40.26 |
| 167526 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 167526 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167502 | XXXXXX | Combined LTV | 156.5200 | 80 |
| 167502 | XXXXXX | Original LTV | 156.5200 | 80 |
| 167429 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167517 | XXXXXX | Cash Reserves | 98404.7700 | 57094.15 |
| 167517 | XXXXXX | Months Reserves | 39.0000 | 23.08 |
| 167516 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167399 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 167399 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167430 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 167521 | XXXXXX | Cash Reserves | 11437.6400 | 42671.96 |
| 167521 | XXXXXX | Months Reserves | 6.0000 | 8.42 |
| 167521 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 167408 | XXXXXX | Cash Reserves | 59121.4300 | 1344.36 |
| 167408 | XXXXXX | Combined LTV | 77.1800 | 80 |
| 167408 | XXXXXX | Months Reserves | 11.0000 | 0.24 |
| 167408 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167400 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 167400 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167519 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167427 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 167474 | XXXXXX | Combined LTV | 75.0000 | 71.4286 |
| 167474 | XXXXXX | Original LTV | 75.0000 | 71.4286 |
| 167474 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 167403 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 167426 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167511 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 167508 | XXXXXX | Cash Reserves | 190791.8700 | 26748.75 |
| 167508 | XXXXXX | Months Reserves | 7.0000 | 7.23 |
| 167508 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167513 | XXXXXX | Cash Reserves | 80000.0000 | 5488.2 |
| 167513 | XXXXXX | Months Reserves | 2.0000 | 1.83 |
| 167513 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167499 | XXXXXX | Cash Reserves | 100319.0100 | 59024.01 |
| 167499 | XXXXXX | Combined LTV | 82.9800 | 85 |
| 167499 | XXXXXX | Months Reserves | 86.0000 | 35.99 |
| 167499 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 167499 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167506 | XXXXXX | Cash Reserves | 231740.0000 | 209452.44 |
| 167506 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167509 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 167509 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167512 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167496 | XXXXXX | Cash Reserves | 1973374.0100 | 1825617.39 |
| 167496 | XXXXXX | Combined LTV | 77.3100 | 80 |
| 167496 | XXXXXX | Credit Report Date | 7/21/2025 | 8/26/2025 |
| 167496 | XXXXXX | Months Reserves | 490.0000 | 489.98 |
| 167496 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167510 | XXXXXX | Cash Reserves | 401249.8600 | 831309.1 |
| 167510 | XXXXXX | Months Reserves | 66.0000 | 134.65 |
| 167510 | XXXXXX | Representative Credit Score for Grading | 758 | 790 |
| 167510 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167495 | XXXXXX | Cash Reserves | 59019.9900 | 1964.82 |
| 167495 | XXXXXX | Combined LTV | 76.4400 | 80 |
| 167495 | XXXXXX | Months Reserves | 1.0000 | 1.01 |
| 167495 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167505 | XXXXXX | Cash Reserves | 534395.9700 | 987711.7 |
| 167505 | XXXXXX | Months Reserves | 118.0000 | 216.79 |
| 167505 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167507 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167401 | XXXXXX | Cash Reserves | 157973.6900 | 62917.45 |
| 167401 | XXXXXX | Combined LTV | 77.1900 | 80 |
| 167401 | XXXXXX | Months Reserves | 30.0000 | 23.3 |
| 167401 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167501 | XXXXXX | Cash Reserves | 578891.4500 | 478670.8 |
| 167501 | XXXXXX | Months Reserves | 188.0000 | 187.61 |
| 167501 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167498 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 167514 | XXXXXX | Cash Reserves | 94289.1700 | 12004.84 |
| 167514 | XXXXXX | Months Reserves | 53.0000 | 3.6 |
| 167514 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167497 | XXXXXX | Cash Reserves | 191722.4400 | 120224.25 |
| 167497 | XXXXXX | Combined LTV | 81.7300 | 85 |
| 167497 | XXXXXX | Months Reserves | 50.0000 | 33.31 |
| 167497 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167493 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 167503 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 167437 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 167428 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 167477 | XXXXXX | Securitization Total Cash Out | XXXXXX | XXXXXX |
| 167486 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 167486 | XXXXXX | Cash Reserves | 407517.2500 | 131039.34 |
| 167486 | XXXXXX | Combined LTV | 57.2000 | 65 |
| 167486 | XXXXXX | Months Reserves | 168.0000 | 39.03 |
| 167486 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167407 | XXXXXX | Cash Reserves | 41643.4300 | 13900.27 |
| 167407 | XXXXXX | Months Reserves | 12.0000 | 12.74 |
| 167407 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167480 | XXXXXX | Cash Reserves | 90919.6100 | 25637.29 |
| 167480 | XXXXXX | Credit Report Date | 8/15/2025 | 8/22/2025 |
| 167480 | XXXXXX | Months Reserves | 10.0000 | 9.61 |
| 167480 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167420 | XXXXXX | Cash Reserves | 1152382.4400 | 651836.87 |
| 167420 | XXXXXX | Combined LTV | 79.4700 | 85 |
| 167420 | XXXXXX | Months Reserves | 255.0000 | 146.63 |
| 167420 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167483 | XXXXXX | Cash Reserves | 227846.0000 | 83507.61 |
| 167483 | XXXXXX | Combined LTV | 62.9600 | 70 |
| 167483 | XXXXXX | Credit Report Date | 9/3/2025 | 9/8/2025 |
| 167483 | XXXXXX | Months Reserves | 96.0000 | 16.29 |
| 167483 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167423 | XXXXXX | Cash Reserves | 103494.0400 | 4142.28 |
| 167423 | XXXXXX | Credit Report Date | 9/5/2025 | 8/5/2025 |
| 167423 | XXXXXX | Months Reserves | 104.0000 | 2.09 |
| 167423 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167421 | XXXXXX | Cash Reserves | 312153.9200 | 191434.69 |
| 167421 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 167421 | XXXXXX | Months Reserves | 71.0000 | 43.4 |
| 167421 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 167421 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167482 | XXXXXX | Cash Reserves | 198053.3700 | 30589.11 |
| 167482 | XXXXXX | Months Reserves | 5.0000 | 5.03 |
| 167482 | XXXXXX | Property Type | SFR | SFR-Attached |
| 167482 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167479 | XXXXXX | Cash Reserves | 193679.6000 | 66513.01 |
| 167479 | XXXXXX | Months Reserves | 52.0000 | 10.71 |
| 167479 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167424 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 167424 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 167466 | XXXXXX | Cash Reserves | 122109.3500 | 3991.49 |
| 167466 | XXXXXX | Months Reserves | 35.0000 | 0.59 |
| 167466 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 169432 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 164925 | XXXXXX | Cash Reserves | 173419.0500 | 62510.96 |
| 164925 | XXXXXX | Months Reserves | 95.0000 | 20.85 |
| 164925 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 164927 | XXXXXX | Cash Reserves | 280451.7900 | 102000.02 |
| 164927 | XXXXXX | Combined LTV | 82.5900 | 85 |
| 164927 | XXXXXX | Months Reserves | 13.0000 | 12.8 |
| 164927 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

*Loans in Report:* *209*

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 166172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7832 | No | No | 9.234 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7431.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4750.00 | No | (No Data) | 1.08 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7697 | Yes | Yes | 0.111 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.65 | 13.99 | 12.65 | 13.99 | 13.99 | 13.99 | No | No | (No Data) | 159451.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3654.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 1.43 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7351.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2300.00 | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Cooperative | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos > 5% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 3.563 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.83 | 0 | 44.83 | 44.83 | 44.83 | (No Data) | (No Data) | (No Data) | 20689.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 153465 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.4514 | Yes | Yes | 4.683 | 0.629 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.63 | 38.63 | 38.63 | 38.63 | 38.63 | 38.63 | No | No | (No Data) | 8497.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Lender Form | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Work Visa | Work Visa | (No Data) | (No Data) |
| 166164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5229.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 0.95 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 19.4 | 0 | 19.4 | 19.4 | 19.4 | (No Data) | (No Data) | (No Data) | 203077.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5430.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.95 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0232 | Yes | Yes | 0.608 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.97 | 26.97 | 26.97 | 26.97 | 26.97 | 26.97 | No | Yes | Yes | 19085.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166160 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7430.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4620.00 | No | (No Data) | 1.13 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166158 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4128.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 4700.00 | 1.66 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 3.75 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4937.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4300.00 | No | (No Data) | 1.02 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166169 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 2.85 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10378.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 13019.00 | No | (No Data) | 1.62 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6901 | Yes | Yes | 2.111 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 27.64 | 27.64 | 27.64 | 27.64 | 27.64 | 27.64 | No | No | (No Data) | 42729.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | P & L - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3323.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1997.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0013 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164842 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4171.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.1986 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164844 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2738.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3300.00 | No | (No Data) | 1.2049 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 165854 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3714.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4350.00 | No | (No Data) | 1.1712 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6872 | No | No | 2.18 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.84 | 48.79 | 48.84 | 48.79 | 48.79 | 48.79 | No | No | (No Data) | 10014.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Other | 1 | Yes | Independent Third Party (The Work Number, Equifax etc) | 20 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 20 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164318 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6132.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6500.00 | No | (No Data) | 1.0599 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165793 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1126.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.7755 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8316 | Yes | Yes | 2.689 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.55 | 39.55 | 39.55 | 39.55 | 39.55 | 39.55 | Yes | Yes | Yes | 16580.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 31 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 31 months;<br> P & L - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) |
| 165869 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4798.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 1.0004 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164845 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2282.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.0514 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165791 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7340.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 10450.00 | No | (No Data) | 1.4237 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164847 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3514.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.1381 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Site Condo | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4458.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5500.00 | No | (No Data) | 1.2335 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164851 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3170.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5220.00 | No | (No Data) | 1.6466 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 164853 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3892.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 5000.00 | 1.2846 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4110.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7080.00 | No | (No Data) | 1.7225 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164857 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4219.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4725.00 | No | (No Data) | 1.1198 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 164860 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5946.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 0.8072 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 163197 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3359.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 0.8929 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4454.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 4500.00 | 1.0102 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165876 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1443.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2625.00 | No | (No Data) | 1.8185 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4807.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 0.8321 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | 1-551 stamp | (No Data) | (No Data) |
| 166483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3825.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 0.8365 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | Other | (No Data) | (No Data) |
| 166484 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5055.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4076.00 | No | (No Data) | 0.8062 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | 1-551 stamp | (No Data) | (No Data) |
| 165856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1476.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.0162 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164867 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4900 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2353.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.2748 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165887 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1871.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.3360 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2183.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2050.00 | No | (No Data) | 0.9387 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164871 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2986.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.0046 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | Green Card | Green Card | (No Data) |
| 165894 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1275.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.5680 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2333.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.0284 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4060.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.2315 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5445.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8667.00 | No | (No Data) | 1.5915 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164876 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7084.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 14400.00 | No | (No Data) | 2.0327 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3826.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 0.9930 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3777.91 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4294.00 | No | (No Data) | 1.1366 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Not Applicable | Not Applicable | 0 | Not Applicable | 0 | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) |
| 165853 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2201.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 1.2266 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1919.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2220.00 | No | (No Data) | 1.1564 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 166995 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0681 | Yes | Yes | 1.697 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.93 | 35.83 | 40.93 | 35.83 | 35.83 | 35.83 | No | No | (No Data) | 10016.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 169503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5935.42 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6346.00 | No | (No Data) | 1.0692 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166961 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1162.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1300.00 | No | (No Data) | 1.1185 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 163939 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2773 | Yes | Yes | 1.512 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.81 | 23.92 | 37.81 | 23.92 | 23.92 | 23.92 | No | No | (No Data) | 41929.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 67 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 67 months;<br> P & L Only - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164890 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1614.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2150.00 | No | (No Data) | 1.3313 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1643.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1650.00 | No | (No Data) | 1.0041 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164896 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6858.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6900.00 | No | (No Data) | 1.0060 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164897 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3796.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 1.0009 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1122.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1250.00 | No | (No Data) | 1.1135 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6095.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6270.00 | No | (No Data) | 1.0286 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164903 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2065.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2100.00 | 1.0165 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164904 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2202.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2400.00 | 1.0896 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166489 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -818.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 825.00 | No | (No Data) | 1.0077 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166490 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1994.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2726.00 | No | (No Data) | 1.3667 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.2107 | Yes | Yes | 4.999 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.63 | 17.58 | 17.63 | 17.58 | 17.58 | 17.58 | No | No | (No Data) | 10292.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 164908 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9925.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 11000.00 | No | (No Data) | 1.1083 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166523 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4382.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4400.00 | No | (No Data) | 1.0040 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1089.11 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1300.00 | No | (No Data) | 1.1936 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Not Applicable | Not Applicable | 0 | Not Applicable | 0 | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) |
| 164913 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1495.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3060.00 | No | (No Data) | 2.0465 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3632.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.1012 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165881 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1466.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2150.00 | No | (No Data) | 1.4665 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3845.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3850.00 | No | (No Data) | 1.0013 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1747.23 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1950.00 | No | (No Data) | 1.1161 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Not Applicable | Not Applicable | 0 | Not Applicable | 0 | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) |
| 164921 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1578.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.1404 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1446.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 1.2101 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1064.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1350.00 | No | (No Data) | 1.2677 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 3.875 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.26 | 0 | 46.26 | 46.26 | 46.26 | (No Data) | (No Data) | (No Data) | 9082.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2865.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2866.00 | No | (No Data) | 1.0001 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7442 | Yes | Yes | 0.938 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 2.69 | 2.9 | 2.9 | 2.9 | 2.9 | 2.9 | No | No | (No Data) | 532464.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9709 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 16734.00 | No | (No Data) | 1.7236 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.5000 | Yes | No | 3.25 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 7.64 | 0 | 7.64 | 7.64 | 7.64 | (No Data) | (No Data) | (No Data) | 31448.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2363.21 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3553.00 | No | (No Data) | 1.5035 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Not Applicable | Not Applicable | 0 | Not Applicable | 0 | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) |
| 166501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7523 | Yes | Yes | 1.031 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.45 | 42.81 | 42.81 | 42.81 | 42.81 | 42.81 | Yes | No | (No Data) | 15335.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4055.12 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 14686.21 | No | (No Data) | 3.6216 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2137.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.1226 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167029 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9630.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9515.00 | No | (No Data) | 0.9880 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3355.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5626.00 | No | (No Data) | 1.6766 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -18354.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 20348.00 | No | (No Data) | 1.1086 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8148 | Yes | Yes | 0.957 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.47 | 20.31 | 20.47 | 17.78 | 17.78 | 18.88 | No | No | (No Data) | 51428.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L Only - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2936.28 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3700.00 | No | (No Data) | 1.2601 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Not Applicable | Not Applicable | 0 | Not Applicable | 0 | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) |
| 166514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8141 | Yes | Yes | 2.862 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | Not Applicable | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.5 | 39.5 | 39.5 | 39.5 | 39.5 | 39.5 | No | No | (No Data) | 15856.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 23 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 14 months;<br> CPA Letter - 23 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 169452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -926.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1200.00 | 1.2948 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167013 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4264.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5400.00 | No | (No Data) | 1.2661 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166962 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6250 | Yes | No | 3.05 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 12.35 | 0 | 12.35 | 12.35 | 12.35 | (No Data) | (No Data) | (No Data) | 181175.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 180 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 180 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1630.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1650.00 | No | (No Data) | 1.0118 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1265.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 1.2252 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1639 | Yes | Yes | 2.334 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 18.89 | 18.89 | 18.89 | 18.89 | 18.89 | 18.89 | No | No | (No Data) | 13256.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 167036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 3.938 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1861.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2350.00 | No | (No Data) | 1.2621 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167023 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1592.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1600.00 | No | (No Data) | 1.0047 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167000 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1066.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.7815 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167014 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1047.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1175.00 | No | (No Data) | 1.1214 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1116.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.2542 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2348.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.3626 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167008 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1228.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1600.00 | No | (No Data) | 1.3028 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8088 | Yes | Yes | 3.47 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.75 | 7.75 | 7.75 | 7.75 | 7.75 | 7.75 | No | No | (No Data) | 41920.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166963 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9827 | Yes | Yes | 1.343 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.14 | 20.32 | 20.14 | 20.32 | 20.32 | 20.32 | No | No | (No Data) | 27909.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 167006 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2211.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3554.00 | No | (No Data) | 1.6071 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167035 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6659.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8550.00 | No | (No Data) | 1.2840 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167027 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -912.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.5337 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166997 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -925.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.5135 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9119 | Yes | No | 2.264 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.75 | 40.81 | 47.75 | 40.81 | 40.81 | 40.81 | No | No | (No Data) | 4761.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 66 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 66 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 169479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1392.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.2925 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 169428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2799.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2800.00 | 1.0003 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 169446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1691.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.0051 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 169431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3075.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.0404 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 169402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6056 | No | No | 0.671 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | No | Not Applicable | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.11 | 46.11 | 46.11 | 46.11 | 46.11 | 46.11 | No | Yes | Yes | 6443.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 169444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5992.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6000.00 | No | (No Data) | 1.0012 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 169419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -818.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1650.00 | No | (No Data) | 2.0155 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9313 | Yes | Yes | 1.697 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.26 | 22.26 | 22.26 | 22.26 | 22.26 | 22.26 | No | No | (No Data) | 33222.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165772 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1487.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.1428 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2690.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3250.00 | No | (No Data) | 1.2081 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165784 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1711.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.1683 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165759 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1888.34 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2000.00 | No | (No Data) | 1.0591 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165773 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7868 | No | Yes | 2.284 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.96 | 48.85 | 39.92 | 48.85 | 48.85 | 48.85 | No | No | (No Data) | 12259.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165786 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 1% of amt prepd | (No Data) | No | Yes | 1 | 8.5000 | Yes | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 26.33 | 0 | 26.33 | 26.33 | 26.33 | (No Data) | (No Data) | (No Data) | 64357.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165777 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.8801 | No | No | 3.402 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.55 | 47.55 | 47.55 | 47.55 | 47.55 | 47.55 | No | No | (No Data) | 5402.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 152706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6292.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 0.7945 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5089.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5400.00 | No | (No Data) | 1.0610 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 165776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7803 | No | No | 1.503 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.98 | 49.98 | 49.98 | 49.98 | 49.98 | 49.98 | No | Yes | Yes | 9048.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2241.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 1.0039 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165785 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.61 | 0 | 49.61 | 49.61 | 49.61 | (No Data) | (No Data) | (No Data) | 98173.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 165778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9584 | Yes | Yes | 3.13 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.17 | 26.17 | 26.17 | 26.17 | 26.17 | 26.17 | No | No | (No Data) | 10994.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4280.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3420.00 | No | (No Data) | 0.7989 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1522.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1600.00 | No | (No Data) | 1.0507 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166244 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3106 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2466.66 | No | (No Data) | 0.7941 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166234 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3311 | Yes | Yes | 3.108 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.36 | 34.55 | 41.36 | 34.55 | 34.55 | 34.55 | No | No | (No Data) | 4928.95 | Yes | 60 | Yes | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | 13 | XXXXXX | 71 | XXXXXX | 8 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166249 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.66 | 0 | 39.66 | 39.66 | 39.66 | (No Data) | (No Data) | (No Data) | 11915.1 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 12.35 | 0 | 12.35 | 12.35 | 12.35 | (No Data) | (No Data) | (No Data) | 58474.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> CPA Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166241 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4601.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 0.7607 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166245 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3663.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 0.7915 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.7318 | Yes | Yes | 1.914 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.58 | 26.58 | 26.58 | 26.58 | 26.58 | 26.58 | No | Yes | Yes | 6903.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 6 months;<br> W2 - 12 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 166239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9811 | No | No | 2.191 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.22 | 44.01 | 47.22 | 44.01 | 44.01 | 44.01 | No | No | (No Data) | 14682.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5765.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 0.8754 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -17683.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3300.00 | No | (No Data) | 0.8816 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | Yes | 06/22/2010 | (No Data) | (No Data) | (No Data) | (No Data) |
| 167526 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2953.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.0158 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2%, 1% of UPB in year 1,2 | (No Data) | No | Yes | 1 | 7.2500 | No | No | 2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -16478.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 0.9395 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167502 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1579.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2100.00 | 1.3200 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5122.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4481.00 | No | (No Data) | 0.8746 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6427.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2280.00 | No | (No Data) | 0.9217 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1560.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2500.00 | 1.6023 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2973.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 0.8408 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167430 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2961.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2450.00 | No | (No Data) | 0.8271 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5068.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4250.00 | No | (No Data) | 0.8386 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5577.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6606.00 | No | (No Data) | 1.1844 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3693.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4226.00 | No | (No Data) | 1.1443 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1617.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3400.00 | No | (No Data) | 2.1023 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167456 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1857.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0800 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167427 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2274.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 0.9670 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2577.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.0080 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167403 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1785.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1805.00 | 1.0110 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2522.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3894.00 | No | (No Data) | 1.5437 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1036.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1050.00 | No | (No Data) | 1.0133 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167494 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7101.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 9300.00 | 1.3096 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167508 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3697.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2987.50 | No | (No Data) | 0.8080 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2995.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4842.00 | No | (No Data) | 1.6163 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1640.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | No | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.2805 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167506 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2590.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 0.8107 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 167509 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6978.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8000.00 | No | (No Data) | 1.1464 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6445.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8500.00 | No | (No Data) | 1.3188 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3725.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4960.00 | No | (No Data) | 1.3312 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6173.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5712.00 | No | (No Data) | 0.9252 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1939.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3420.00 | No | (No Data) | 1.7630 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 167505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 4.313 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4556.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5521.42 | No | (No Data) | 1.2119 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4285.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4900.00 | No | (No Data) | 1.1433 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2700.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5086.67 | No | (No Data) | 1.8835 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2551.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 0.9406 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2757.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4096.00 | No | (No Data) | 1.4856 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3336.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5514.00 | No | (No Data) | 1.6525 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3608.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7120.00 | No | (No Data) | 1.9729 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 162381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4691 | Yes | No | 1.746 | 1.746 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40 | 0 | 40 | 40 | 40 | No | No | (No Data) | 15117.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2968.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 1440.00 | No | (No Data) | 1.0334 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | Yes | 05/13/2016 | (No Data) | (No Data) | (No Data) | (No Data) |
| 167503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6542 | No | No | 1.236 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9417.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 0.8300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2777.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1495.00 | 1.0100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -15875.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 8000.00 | 1.4200 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1744.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1900.00 | 1.0893 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14530.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3850.00 | No | (No Data) | 1.0017 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167485 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2339.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2600.00 | 1.1113 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3357.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 0.8637 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167478 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3603.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.1100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1091.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1300.00 | No | (No Data) | 1.1910 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167480 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2666.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3400.00 | No | (No Data) | 1.2749 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167481 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1551.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 1.1276 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2055.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2200.00 | 1.0704 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | 7 | XXXXXX | 55 | XXXXXX | 48 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167420 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4445.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9713.00 | No | (No Data) | 2.1850 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5127.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4300.00 | No | (No Data) | 0.8386 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1985.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2206.00 | No | (No Data) | 1.1109 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4410.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 0.8615 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6078.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8440.00 | No | (No Data) | 1.3886 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) |
| 167398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1091.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 2.6574 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6210.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6720.00 | No | (No Data) | 1.0821 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2833.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4990.00 | No | (No Data) | 1.7611 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 167466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6808.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 12800.00 | No | (No Data) | 1.8800 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 169432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -17471.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 22800.00 | No | (No Data) | 1.3049 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164925 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2997.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3626.00 | No | (No Data) | 1.2096 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 164927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7966.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8440.00 | No | (No Data) | 1.0595 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 6**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 245 | 249 | 253 | 257 | 258 | 259 | 260 | 261 |
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 166172 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 3155.32 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 144.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 27500.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 761 | 721 | 0 | (No Data) | (No Data) | 721 | 0 | -7431.96 | 0 | 0 | 7431.96 | 2717.56 | 158964.46 | 158964.46 | 158964.46 | XXXXXX | 54476.96 | 12.39 | 12.39 | Fully Amortized | 8.250 | 3155.32 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166167 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 10316.34 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 609.50 | (No Data) | (No Data) | 85.67 | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 98 | 36100.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 705 | 727 | 185384.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 720 | 185384.41 | 159451.61 | 6.23 | 13.99 | 25932.8 | 11556.91 | 463090.93 | 463090.93 | 463090.93 | XXXXXX | 463090.93 | 40.07 | 40.07 | Fully Amortized | 7.750 | 10316.34 | 6.23 | 13.99 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D B A | B D A | D B A | B | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 166165 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 1960.73 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 43.59 | 43.59 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 299.41 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 6500.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 655 | 632 | 603 | 0 | (No Data) | (No Data) | 632 | 0 | -3654.1 | 0 | 0 | 3654.1 | 0 | 134572.98 | 134572.98 | 134572.98 | XXXXXX | 134572.98 | 42.86 | 42.86 | Fully Amortized | 8.500 | 1960.73 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166171 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.8750 | 1944.14 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 212.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 5900.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 672 | 682 | 659 | 0 | (No Data) | (No Data) | 672 | 0 | -7351.98 | 0 | 0 | 7351.98 | 0 | 35596.77 | 35596.77 | 35596.77 | XXXXXX | 35596.77 | 15.49 | 15.49 | I/O Amount | 9.875 | 1944.14 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) |
| 166163 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 4062.44 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest on amt prepd in 12 mos > 5% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 2090 Cooperative (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Cooperative | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | UCC-1 (Co-op Only) | Fee Simple | XXXXXX | 108.17 | (No Data) | (No Data) | (No Data) | 2502.40 | Present | XXXXXX | 4 | No | Present | XXXXXX | 40 | 21736.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 814 | 790 | 813 | 37500.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 814 | 806 | 793 | 0 | (No Data) | (No Data) | 813 | 37500 | 20689.17 | 19.41 | 44.83 | 16810.83 | 7276.91 | 1865387.75 | 1865387.75 | 1865387.8 | XXXXXX | 1684824.25 | 252.48 | 252.48 | Fully Amortized | 7.500 | 4062.44 | 19.41 | 44.83 | Full 12 Month | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) |
| 153465 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 3453.38 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | 65.79 | 65.79 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 243.42 | (No Data) | (No Data) | (No Data) | 415.83 | Present | XXXXXX | 2 | No | Present | XXXXXX | 33 | 10000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 739 | 626 | 8707.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 684 | 695 | 662 | 5139.48 | (No Data) | (No Data) | 732 | 13846.64 | 8497.39 | 36.73 | 38.63 | 5349.25 | 5085.25 | 72006.08 | 72006.08 | 72006.08 | XXXXXX | 72006.08 | 14.16 | 14.16 | Fully Amortized | 7.375 | 3453.38 | 36.73 | 38.63 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) |
| 166164 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1798.17 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 198.50 | (No Data) | (No Data) | (No Data) | 125.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 1000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 671 | 720 | 0 | (No Data) | (No Data) | 674 | 0 | -5229.92 | 0 | 0 | 5229.92 | 0 | 81741.90 | 81741.9 | 81741.9 | XXXXXX | 20989.77 | 8.68 | 8.68 | Fully Amortized | 7.875 | 1798.18 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166154 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 7904.72 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 587.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 17400.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 785 | 797 | 251967.57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 785 | 251967.57 | 203077.23 | 1.77 | 19.4 | 48890.34 | 4472.07 | 1077469.61 | 1077469.61 | 1077469.6 | XXXXXX | 716688.5 | 70.95 | 70.95 | Start Rate | 7.250 | 7904.72 | 1.77 | 19.4 | 12 Mth Business Bank Stmts | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 166162 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 735.57 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 108.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 99 | 16653.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 739 | 712 | 749 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 739 | 0 | -5430.43 | 0 | 0 | 5430.43 | 1200.36 | 46415.95 | 46415.95 | 46415.95 | XXXXXX | 46415.95 | 50.34 | 50.34 | Fully Amortized | 7.375 | 735.57 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166152 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 2680.27 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 79.69 | 79.69 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 33.33 | (No Data) | (No Data) | (No Data) | 462.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 82 | 34000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 784 | 809 | 15055.84 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 804 | 819 | 11077.73 | (No Data) | (No Data) | 804 | 26133.57 | 19085.8 | 10.76 | 26.97 | 7047.77 | 2810.9 | 202362.29 | 202362.29 | 202362.29 | XXXXXX | 162152.5 | 47.55 | 47.55 | Fully Amortized | 6.875 | 2680.27 | 10.76 | 26.97 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) |
| 166160 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 3453.52 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 188.22 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 6 | No | Present | XXXXXX | 99 | 28500.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 745 | 745 | 728 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 790 | 785 | 0 | (No Data) | (No Data) | 787 | 0 | -7430.54 | 0 | 0 | 7430.54 | 0 | 300620.27 | 300620.27 | 300620.27 | XXXXXX | 142931.25 | 34.98 | 34.98 | Fully Amortized | 7.250 | 3453.52 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | A B | A D C | A B | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166158 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 2066.25 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 74.84 | 74.84 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 341.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 11300.00 | 45 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 751 | 748 | 718 | 0 | (No Data) | (No Data) | 779 | 0 | -4128.18 | 0 | 0 | 4128.18 | 0 | 332551.80 | 332551.8 | 332551.8 | XXXXXX | 332551.8 | 117.21 | 117.21 | I/O Amount | 7.125 | 2066.25 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) |
| 166133 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 2569.61 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 161.33 | (No Data) | (No Data) | 0.00 | 852.21 | Present | XXXXXX | 1 | No | Present | XXXXXX | 75 | 2000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 706 | 748 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 707 | 0 | -4937.97 | 0 | 0 | 4937.97 | 0 | 337643.13 | 337643.13 | 337643.13 | XXXXXX | 337643.13 | 80.51 | 80.51 | Custom Qual. P&I | (No Data) | 2569.61 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166169 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 6821.40 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 380.54 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 168 | 36119.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 753 | 754 | 0 | (No Data) | (No Data) | 753 | 0 | -10378.33 | 0 | 0 | 10378.33 | 0 | 988860.79 | 988860.79 | 988860.79 | XXXXXX | 988860.79 | 123.62 | 123.62 | Fully Amortized | 7.125 | 6821.41 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166128 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 9834.79 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 138.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 13500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 804 | 757 | 59053.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 758 | 59053.54 | 42729.46 | 18.49 | 27.64 | 16324.08 | 10916.16 | 1351918.14 | 1351918.14 | 1351918.1 | XXXXXX | 1351918.14 | 123.85 | 123.85 | Fully Amortized | 7.625 | 9834.80 | 18.49 | 27.64 | Alt Doc - 12 Mo PL Statement CPA | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | P & L - 12 months | (No Data) | (No Data) | (No Data) |
| 166127 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 1382.27 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 68.02 | (No Data) | (No Data) | (No Data) | 58.33 | Present | XXXXXX | 2 | No | Present | XXXXXX | 91 | 2900.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 656 | 668 | 660 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 660 | 0 | -3323.65 | 0 | 0 | 3323.65 | 0 | 75472.04 | 75472.04 | 75472.04 | XXXXXX | 18213.61 | 8.74 | 8.74 | Qualifying Rate, Fully Amortized | 8.250 | 1382.28 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164841 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1667.45 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 109.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 259 | 10000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 775 | 790 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 775 | 766 | 0 | 247500.00 | (No Data) | 780 | 0 | -1997.4 | 0 | 0 | 1997.4 | 0 | 197968.16 | 197968.16 | 197968.16 | XXXXXX | 165920.4 | 83.07 | 83.07 | Fully Amortized | 7.125 | 1667.46 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164842 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 2824.23 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 672.68 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 63 | 10000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 775 | 790 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 775 | 766 | 0 | 419200.00 | (No Data) | 780 | 0 | -4171.57 | 0 | 0 | 4171.57 | 0 | 195194.13 | 195194.13 | 195194.13 | XXXXXX | 121198.99 | 29.05 | 29.05 | Fully Amortized | 7.125 | 2824.23 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164844 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1705.44 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 56.82 | 56.82 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 73.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 177 | 1000.00 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 656 | 676 | 705 | 0 | 250000.00 | (No Data) | 676 | 0 | -2738.88 | 0 | 0 | 2738.88 | 0 | 227149.91 | 227149.91 | 227149.91 | XXXXXX | 227149.91 | 82.94 | 82.94 | Fully Amortized | 7.250 | 1705.45 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 165854 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 3237.54 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 310.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 301 | 10300.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 736 | 760 | 0 | 468750.00 | (No Data) | 754 | 0 | -3714.22 | 0 | 0 | 3714.22 | 0 | 103904.59 | 103904.59 | 103904.59 | XXXXXX | 103904.59 | 27.97 | 27.97 | Fully Amortized | 7.375 | 3237.54 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 165790 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 3595.59 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 169.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 238 | 7400.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 703 | 707 | 714 | 10411.44 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 533 | 513 | 556 | 9144.52 | 508000.00 | (No Data) | 707 | 19555.96 | 10014.15 | 22.14 | 48.79 | 9541.81 | 4328.85 | 31411.34 | 31411.34 | 31411.34 | XXXXXX | 31411.34 | 7.26 | 7.26 | Fully Amortized | 7.625 | 3595.60 | 22.14 | 48.79 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 20 months | (No Data) | (No Data) |
| 164318 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 5468.75 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Final Title | Fee Simple | XXXXXX | 247.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 153 | 11268.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 675 | 673 | 683 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 875000.00 | (No Data) | 675 | 0 | -6132.66 | 0 | 0 | 6132.66 | 0 | 580586.96 | 580586.96 | 580586.96 | XXXXXX | 580586.96 | 94.67 | 85.61 | Fully Amortized | 7.500 | 6118.13 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 165793 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.3750 | 790.48 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 88.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 138 | 22500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 743 | 746 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 104000.00 | (No Data) | 746 | 0 | -1126.47 | 0 | 0 | 1126.47 | 0 | 9476.07 | 9476.07 | 9476.07 | XXXXXX | 9476.07 | 8.41 | 8.41 | Fully Amortized | 8.375 | 790.48 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 165781 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 4350.97 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 99.72 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 264 | 4000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 735 | 700 | 27430.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 815 | 796 | 0 | 652000.00 | (No Data) | 725 | 27430 | 16580.23 | 17.56 | 39.55 | 10849.77 | 4817.65 | 398880.76 | 398880.76 | 398880.76 | XXXXXX | 398880.76 | 82.8 | 82.80 | Fully Amortized | 7.625 | 4350.98 | 17.56 | 39.55 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter - 31 months;<br> P & L - 24 months | (No Data) | (No Data) | (No Data) |
| 165869 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 3751.06 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% on amt prepd in yr 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 67.18 | 67.18 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 110.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 19300.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 698 | 647 | 671 | 0 | 571000.00 | (No Data) | 671 | 0 | -4798.09 | 0 | 0 | 4798.09 | 0 | 547749.34 | 547749.34 | 547749.34 | XXXXXX | 547749.34 | 114.16 | 114.16 | Fully Amortized | 6.875 | 3751.07 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164845 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1589.98 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 74.92 | 74.92 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 165.25 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 365 | 52000.00 | 24 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 756 | 779 | 738 | 0 | 236000.00 | (No Data) | 756 | 0 | -2282.76 | 0 | 0 | 2282.76 | 0 | 20001.28 | 20001.28 | 20001.28 | XXXXXX | 12675.65 | 5.55 | 5.55 | Fully Amortized | 7.125 | 1589.98 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 165791 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 5800.56 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 260.03 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 366 | 58467.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 739 | 779 | 752 | 0 | 800000.00 | (No Data) | 752 | 0 | -7340.28 | 0 | 0 | 7340.28 | 0 | 924447.94 | 683783.89 | 683783.89 | XXXXXX | 683783.89 | 93.16 | 93.16 | Fully Amortized | 7.875 | 5800.56 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164847 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 2967.47 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Tenant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 62.14 | 62.14 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 114.75 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 227 | 25500.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 677 | 682 | 667 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 435000.00 | (No Data) | 677 | 0 | -3514.48 | 0 | 0 | 3514.48 | 0 | 152953.29 | 152953.29 | 152953.29 | XXXXXX | 152953.29 | 43.52 | 43.52 | Fully Amortized | 7.250 | 2967.47 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164850 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 3448.88 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Site Condo | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Title Report | Fee Simple | XXXXXX | 96.25 | (No Data) | (No Data) | (No Data) | 472.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 271 | 30000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 679 | 671 | 651 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 525000.00 | (No Data) | 671 | 0 | -4458.76 | 0 | 0 | 4458.76 | 0 | 98544.03 | 98544.03 | 98544.03 | XXXXXX | 98544.03 | 22.1 | 22.10 | Fully Amortized | 6.875 | 3448.88 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164851 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 2327.05 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 152.68 | (No Data) | (No Data) | (No Data) | 181.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 20 | 8400.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 695 | 715 | 656 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 354232.00 | (No Data) | 695 | 0 | -3170.08 | 0 | 0 | 3170.08 | 0 | 70738.62 | 70738.62 | 70738.62 | XXXXXX | 22646.57 | 7.14 | 7.14 | Fully Amortized | 6.875 | 2327.06 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164853 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 3450.00 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 199.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 13900.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 744 | 756 | 748 | 0 | 552000.00 | (No Data) | 748 | 0 | -3892.28 | 0 | 0 | 3892.28 | 0 | 66073.28 | 66073.28 | 66073.28 | XXXXXX | 66073.28 | 16.98 | 15.36 | Fully Amortized | 7.500 | 3859.67 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 164855 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 3248.31 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 296.58 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 297 | 30000.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 687 | 707 | 0 | 448000.00 | (No Data) | 704 | 0 | -4110.41 | 0 | 0 | 4110.41 | 0 | 84.66 | 84.66 | 84.66 | XXXXXX | 84.66 | 0.02 | 0.02 | Fully Amortized | 7.875 | 3248.32 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164857 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 3179.95 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 280.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 122 | 5000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 671 | 712 | 710 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 472000.00 | (No Data) | 710 | 0 | -4219.51 | 0 | 0 | 4219.51 | 0 | 112388.74 | 112388.74 | 112388.74 | XXXXXX | 20773.56 | 4.92 | 4.92 | Fully Amortized | 7.125 | 3179.96 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164860 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.5000 | 4055.97 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 121.70 | (No Data) | (No Data) | 54.69 | 275.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 207 | 12400.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 701 | 742 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 815 | 782 | 0 | 641699.00 | (No Data) | 806 | 0 | -5946.73 | 0 | 0 | 5946.73 | 0 | 650127.35 | 650127.35 | 650127.35 | XXXXXX | 315366.92 | 53.03 | 53.03 | Fully Amortized | 6.500 | 4055.98 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163197 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 2095.51 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 555.41 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 386 | 23000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 726 | 734 | 0 | 292500.00 | (No Data) | 726 | 0 | -3359.99 | 0 | 0 | 3359.99 | 0 | 126910.79 | 126910.79 | 126910.79 | XXXXXX | 6957.79 | 2.07 | 2.07 | Fully Amortized | 7.750 | 2095.51 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164862 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 2947.19 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 79.53 | 79.53 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 82.85 | (No Data) | (No Data) | 0.00 | 550.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 139 | 17250.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 699 | 732 | 0 | 421500.00 | (No Data) | 717 | 0 | -4454.74 | 0 | 0 | 4454.74 | 0 | 1814.52 | 1814.52 | 1814.52 | XXXXXX | 1814.52 | 0.41 | 0.41 | Fully Amortized | 7.500 | 2947.19 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 165876 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 966.95 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 135.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 82 | 1600.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 675 | 685 | 648 | 0 | 140000.00 | (No Data) | 675 | 0 | -1443.51 | 0 | 0 | 1443.51 | 0 | 18933.94 | 18933.94 | 18933.94 | XXXXXX | 18933.94 | 13.12 | 13.12 | Fully Amortized | 7.375 | 966.95 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166482 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 3771.09 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 85.83 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 205 | 36000.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 772 | 731 | 0 | 546000.00 | (No Data) | 748 | 0 | -4807.27 | 0 | 0 | 4807.27 | 0 | 76431.34 | 76431.34 | 76431.34 | XXXXXX | 76431.34 | 15.9 | 15.90 | Fully Amortized | 7.375 | 3771.09 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166483 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 3006.56 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 68.09 | 68.09 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 85.77 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 205 | 36000.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 772 | 731 | 0 | 534500.00 | (No Data) | 748 | 0 | -3825.4 | 0 | 0 | 3825.4 | 0 | 393056.08 | 393056.08 | 393056.08 | XXXXXX | 384438.22 | 100.5 | 100.50 | Fully Amortized | 6.750 | 3006.56 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166484 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 3848.63 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 85.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 213 | 33300.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 772 | 731 | 0 | 543750.00 | (No Data) | 748 | 0 | -5055.84 | 0 | 0 | 5055.84 | 0 | 393056.08 | 393056.08 | 393056.08 | XXXXXX | 344989.33 | 68.24 | 68.24 | Fully Amortized | 7.625 | 3848.63 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 165856 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1108.27 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 163.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 266 | 3500.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 657 | 666 | 668 | 0 | 164500.00 | (No Data) | 666 | 0 | -1476.15 | 0 | 0 | 1476.15 | 0 | 80922.13 | 80922.13 | 80922.13 | XXXXXX | 80922.13 | 54.82 | 54.82 | Fully Amortized | 7.125 | 1108.27 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164867 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.4900 | 1882.54 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 29.80 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 203 | 12700.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 652 | 651 | 631 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 269500.00 | (No Data) | 651 | 0 | -2353.34 | 0 | 0 | 2353.34 | 0 | 26606.73 | 26606.73 | 26606.73 | XXXXXX | 26606.73 | 11.31 | 11.31 | Fully Amortized | 7.490 | 1882.54 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 165887 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.6250 | 1595.65 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 57.09 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 151 | 11500.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 656 | 668 | 664 | 0 | 249200.00 | (No Data) | 664 | 0 | -1871.32 | 0 | 0 | 1871.32 | 0 | 230773.81 | 230773.81 | 230773.81 | XXXXXX | 230773.81 | 123.32 | 123.32 | Fully Amortized | 6.625 | 1595.66 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164870 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 1297.34 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 140.67 | (No Data) | (No Data) | 301.92 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 215 | 24400.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 710 | 685 | 717 | 0 | 195000.00 | (No Data) | 710 | 0 | -2183.87 | 0 | 0 | 2183.87 | 0 | 15166.72 | 15166.72 | 15166.72 | XXXXXX | 15166.72 | 6.94 | 6.94 | Fully Amortized | 7.000 | 1297.34 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164871 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 2205.46 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 73.50 | 73.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 99.42 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 212 | 20400.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 781 | 730 | 0 | 360150.00 | (No Data) | 762 | 0 | -2986.28 | 0 | 0 | 2986.28 | 0 | 147157.65 | 147157.65 | 147157.65 | XXXXXX | 19993.02 | 6.7 | 6.69 | Fully Amortized | 6.875 | 2205.47 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 165894 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 690.68 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Final Title | Fee Simple | XXXXXX | 124.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 120 | 21500.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 772 | 683 | 0 | 100000.00 | (No Data) | 688 | 0 | -1275.76 | 0 | 0 | 1275.76 | 0 | 40495.00 | 40495 | 40495 | XXXXXX | 3652.21 | 2.86 | 2.86 | Fully Amortized | 7.375 | 690.68 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166116 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1455.23 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 155.01 | (No Data) | (No Data) | (No Data) | 550.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 284 | 35000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 752 | 766 | 786 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 216000.00 | (No Data) | 766 | 0 | -2333.81 | 0 | 0 | 2333.81 | 0 | 201718.56 | 201718.56 | 201718.56 | XXXXXX | 126759.02 | 54.31 | 54.31 | Fully Amortized | 7.125 | 1455.24 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 165884 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 3566.02 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 276.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 176 | 30800.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 802 | 761 | 0 | 536000.00 | (No Data) | 799 | 0 | -4060.18 | 0 | 0 | 4060.18 | 0 | 664461.69 | 664461.69 | 664461.69 | XXXXXX | 384148.85 | 94.61 | 94.61 | Fully Amortized | 7.000 | 3566.03 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | N/A B | N/A D B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 164874 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.0000 | 4813.50 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 295.50 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 313 | 20000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 718 | 737 | 745 | 0 | 656000.00 | (No Data) | 737 | 0 | -5445.8 | 0 | 0 | 5445.8 | 0 | 255987.15 | 255987.15 | 255987.15 | XXXXXX | 88085.15 | 16.17 | 16.17 | Fully Amortized | 8.000 | 4813.50 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164876 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 6276.02 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 221.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 428 | 38000.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 709 | 797 | 0 | 920000.00 | (No Data) | 725 | 0 | -7084.27 | 0 | 0 | 7084.27 | 0 | 207312.76 | 207312.76 | 207312.76 | XXXXXX | 182041.2 | 25.7 | 25.70 | Fully Amortized | 7.250 | 6276.03 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164877 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.6250 | 3088.22 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 149.83 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 356 | 29300.00 | 24 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 742 | 757 | 768 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 482300.00 | (No Data) | 757 | 0 | -3826.65 | 0 | 0 | 3826.65 | 0 | 245400.29 | 245400.29 | 245400.29 | XXXXXX | 50314.19 | 13.15 | 13.15 | Fully Amortized | 6.625 | 3088.22 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166486 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 2802.81 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 124.44 | (No Data) | (No Data) | (No Data) | 140.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | 395993.00 | (No Data) | Not Applicable | 0 | -3777.91 | 0 | 0 | 3777.91 | 0 | 113170.68 | 113170.68 | 113170.68 | XXXXXX | 22668 | 6 | 6.00 | Fully Amortized | 7.625 | 2802.82 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 165853 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1408.92 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 149.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 217 | 30000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 647 | 587 | 655 | 0 | 201500.00 | (No Data) | 647 | 0 | -2201.29 | 0 | 0 | 2201.29 | 0 | 71749.86 | 71749.86 | 71749.86 | XXXXXX | 62899.8 | 28.57 | 28.57 | Fully Amortized | 7.500 | 1408.92 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164884 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1337.07 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 186.50 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 60 | 8000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 710 | 690 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 196000.00 | (No Data) | 690 | 0 | -1919.77 | 0 | 0 | 1919.77 | 0 | 55179.97 | 55179.97 | 55179.97 | XXXXXX | 552.32 | 0.29 | 0.29 | Fully Amortized | 7.250 | 1337.07 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166995 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 2068.01 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 212.66 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 82 | 25000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 752 | 752 | 753 | 15608.24 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 314800.00 | (No Data) | 752 | 15608.24 | 10016.15 | 17.89 | 35.83 | 5592.09 | 2792.98 | 51327.11 | 51327.11 | 51327.11 | XXXXXX | 51327.11 | 18.38 | 18.38 | Fully Amortized | 6.875 | 2068.02 | 17.89 | 35.83 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) |
| 169503 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 5238.32 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 213.68 | (No Data) | (No Data) | (No Data) | 41.67 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 120 | 31400.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 770 | 704 | 0 | 705500.00 | (No Data) | 725 | 0 | -5935.42 | 0 | 0 | 5935.42 | 0 | 220564.92 | 220564.92 | 220564.92 | XXXXXX | 76480.35 | 12.89 | 12.89 | Fully Amortized | 8.125 | 5238.32 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166961 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1031.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Title Report | Fee Simple | XXXXXX | 83.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 186 | 8000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 734 | 702 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 741 | 764 | 0 | 147550.00 | (No Data) | 741 | 0 | -1162.24 | 0 | 0 | 1162.24 | 0 | 46402.13 | 46402.13 | 46402.13 | XXXXXX | 46402.13 | 39.92 | 39.92 | Fully Amortized | 7.500 | 1031.70 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 163939 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 10027.99 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 317.00 | (No Data) | (No Data) | (No Data) | 8.33 | Present | XXXXXX | 1 | No | Present | XXXXXX | 143 | 15000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 693 | 693 | 55110.58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 1470000.00 | (No Data) | 693 | 55110.58 | 41929.13 | 21.46 | 23.92 | 13181.45 | 11825.45 | 655172.18 | 655172.18 | 655172.18 | XXXXXX | 655172.18 | 55.4 | 55.40 | Fully Amortized | 7.250 | 10028.00 | 21.46 | 23.92 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | CPA Letter - 67 months;<br> P & L Only - 12 months | (No Data) | (No Data) | (No Data) |
| 164890 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1253.58 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 161.42 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 316 | 7000.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 670 | 696 | 667 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 181500.00 | (No Data) | 670 | 0 | -1614.92 | 0 | 0 | 1614.92 | 0 | 128210.00 | 128210 | 128210 | XXXXXX | 52471.15 | 32.49 | 32.49 | Fully Amortized | 7.375 | 1253.58 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164892 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.8750 | 1095.60 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 128.75 | (No Data) | (No Data) | (No Data) | 25.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 149 | 20000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 752 | 716 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 137700.00 | (No Data) | 752 | 0 | -1643.22 | 0 | 0 | 1643.22 | 0 | 34675.55 | 34675.55 | 34675.55 | XXXXXX | 1547.6 | 0.94 | 0.94 | Fully Amortized | 8.875 | 1095.61 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164896 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.2500 | 5216.36 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 116.78 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 14500.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 780 | 739 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 847200.00 | (No Data) | 739 | 0 | -6858.97 | 0 | 0 | 6858.97 | 0 | 552825.23 | 552825.23 | 552825.23 | XXXXXX | 308957.31 | 45.04 | 45.04 | Fully Amortized | 6.250 | 5216.36 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164897 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 2696.87 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 79.98 | 79.98 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Final Title | Fee Simple | XXXXXX | 282.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 72 | 18000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 710 | 617 | 671 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 557 | 541 | 562 | 0 | 431500.00 | (No Data) | 671 | 0 | -3796.52 | 0 | 0 | 3796.52 | 0 | 155887.58 | 155887.58 | 155887.58 | XXXXXX | 29464.67 | 7.76 | 7.16 | Fully Amortized | 7.500 | 3017.12 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164899 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 692.22 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 187.64 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 70775.00 | 36 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 669 | 721 | 0 | 99000.00 | (No Data) | 721 | 0 | -1122.58 | 0 | 0 | 1122.58 | 0 | 263301.41 | 263301.41 | 263301.41 | XXXXXX | 263301.41 | 234.55 | 234.55 | Fully Amortized | 7.500 | 692.23 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166487 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 4499.06 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 166.25 | (No Data) | (No Data) | (No Data) | 41.67 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 274 | 55000.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 691 | 759 | 0 | 620500.00 | (No Data) | 750 | 0 | -6095.73 | 0 | 0 | 6095.73 | 0 | 207032.68 | 207032.68 | 207032.68 | XXXXXX | 96377.53 | 15.81 | 15.81 | Fully Amortized | 7.875 | 4499.06 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 164903 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1295.26 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | Not Applicable | XXXXXX | 45.86 | 45.86 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 242.92 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 266 | 16300.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 656 | 651 | 686 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 183000.00 | (No Data) | 656 | 0 | -2065.86 | 0 | 0 | 2065.86 | 0 | 155927.07 | 155927.07 | 155927.07 | XXXXXX | 155927.07 | 75.48 | 75.48 | Fully Amortized | 7.625 | 1295.27 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 164904 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.6250 | 1593.09 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 155.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 30000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 789 | 740 | 0 | 248800.00 | (No Data) | 747 | 0 | -2202.59 | 0 | 0 | 2202.59 | 0 | 114021.92 | 114021.92 | 114021.92 | XXXXXX | 104725.87 | 47.55 | 47.55 | Fully Amortized | 6.625 | 1593.10 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 166489 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 580.39 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 140.09 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 300 | 10000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 788 | 786 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 97750.00 | (No Data) | 786 | 0 | -818.66 | 0 | 0 | 818.66 | 0 | 75718.45 | 75718.45 | 75718.45 | XXXXXX | 43274.51 | 52.86 | 48.25 | Fully Amortized | 7.125 | 658.56 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166490 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 1513.43 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 106.75 | (No Data) | (No Data) | (No Data) | 161.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 246 | 50231.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 748 | 736 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 201450.00 | (No Data) | 741 | 0 | -1994.55 | 0 | 0 | 1994.55 | 0 | 71764.93 | 71764.93 | 71764.93 | XXXXXX | 26254.18 | 13.16 | 13.16 | Fully Amortized | 8.250 | 1513.43 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164907 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.5000 | 632.07 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 16.03 | 16.03 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 380.36 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 14 | 1000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 721 | 710 | 12487.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 100000.00 | (No Data) | 721 | 12487.41 | 10292.02 | 11.11 | 17.58 | 2195.39 | 1387.31 | 108602.52 | 108602.52 | 108602.52 | XXXXXX | 108602.52 | 78.28 | 78.28 | Fully Amortized | 6.500 | 632.07 | 11.11 | 17.58 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 13 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) |
| 164908 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 8622.19 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 226.42 | (No Data) | (No Data) | (No Data) | 138.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 50068.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 749 | 774 | 0 | 1312500.00 | (No Data) | 774 | 0 | -9925.25 | 0 | 0 | 9925.25 | 0 | 79883.06 | 79883.06 | 79883.06 | XXXXXX | 79883.06 | 8.05 | 8.05 | Fully Amortized | 6.875 | 8622.20 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166523 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 3503.58 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 341.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 248 | 80491.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 695 | 743 | 715 | 0 | 495000.00 | (No Data) | 715 | 0 | -4382.58 | 0 | 0 | 4382.58 | 0 | 24845.56 | 24845.56 | 24845.56 | XXXXXX | 24845.56 | 5.67 | 5.67 | Fully Amortized | 7.625 | 3503.58 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 166492 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 673.72 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 55.56 | 55.56 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 38.34 | (No Data) | (No Data) | (No Data) | 302.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 680 | 680 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 100000.00 | (No Data) | 680 | 0 | -1089.11 | 0 | 0 | 1089.11 | 0 | 95132.35 | 95132.35 | 95132.35 | XXXXXX | 11358.49 | 10.43 | 10.43 | Fully Amortized | 7.125 | 673.72 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164913 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 1187.75 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 128.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 195 | 15000.00 | 30 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 740 | 783 | 736 | 0 | 158100.00 | (No Data) | 740 | 0 | -1495.21 | 0 | 0 | 1495.21 | 0 | 59484.65 | 59484.65 | 59484.65 | XXXXXX | 30495 | 20.4 | 20.40 | Fully Amortized | 8.250 | 1187.76 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 165865 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 2726.94 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 64.42 | (No Data) | (No Data) | 0.00 | 417.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 116 | 13000.00 | 24 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 635 | 640 | 649 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 390000.00 | (No Data) | 640 | 0 | -3632.3 | 0 | 0 | 3632.3 | 0 | 94227.62 | 94227.62 | 94227.62 | XXXXXX | 94227.62 | 25.94 | 25.94 | Fully Amortized | 7.500 | 2726.94 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 165881 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1310.57 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 116.85 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 223 | 14000.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 652 | 675 | 0 | 199500.00 | (No Data) | 675 | 0 | -1466.12 | 0 | 0 | 1466.12 | 0 | 187305.51 | 187305.51 | 187305.51 | XXXXXX | 187305.51 | 127.76 | 127.76 | Fully Amortized | 6.875 | 1310.58 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167009 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 3008.93 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Final Title | Fee Simple | XXXXXX | 155.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 199 | 128846.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 664 | 669 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 420000.00 | (No Data) | 669 | 0 | -3845.06 | 0 | 0 | 3845.06 | 0 | 155388.40 | 155388.4 | 155388.4 | XXXXXX | 28504.28 | 7.41 | 7.41 | Fully Amortized | 7.750 | 3008.94 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166119 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1023.26 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 54.95 | 54.95 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 84.42 | (No Data) | (No Data) | (No Data) | 89.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 150000.00 | (No Data) | Not Applicable | 0 | -1747.23 | 0 | 0 | 1747.23 | 0 | 173345.50 | 173345.5 | 173345.5 | XXXXXX | 40463.98 | 23.16 | 23.16 | Fully Amortized | 7.250 | 1023.27 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 164921 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 985.39 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 59.29 | 59.29 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 303.27 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 368 | 25000.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 641 | 581 | 650 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 150000.00 | (No Data) | 641 | 0 | -1578.38 | 0 | 0 | 1578.38 | 0 | 137524.80 | 137524.8 | 137524.8 | XXXXXX | 137524.8 | 87.13 | 87.13 | Fully Amortized | 6.875 | 985.40 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166495 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1264.59 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 62.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 26500.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 658 | 679 | 747 | 0 | 192500.00 | (No Data) | 679 | 0 | -1446.22 | 0 | 0 | 1446.22 | 0 | 14489.22 | 14489.22 | 14489.22 | XXXXXX | 14489.22 | 10.02 | 10.02 | Fully Amortized | 6.875 | 1264.59 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 166520 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 928.90 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 55.75 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 135 | 49109.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 658 | 679 | 747 | 0 | 141400.00 | (No Data) | 679 | 0 | -1064.94 | 0 | 0 | 1064.94 | 0 | 27309.23 | 27309.23 | 27309.23 | XXXXXX | 27309.23 | 25.64 | 25.64 | Fully Amortized | 6.875 | 928.90 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 164922 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 2100.88 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 120.42 | (No Data) | (No Data) | 0.00 | 450.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 99 | 15700.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 728 | 731 | 16902.38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 293250.00 | (No Data) | 731 | 16902.38 | 9082.8 | 18.66 | 46.26 | 7819.58 | 3154.76 | 121647.78 | 121647.78 | 121647.78 | XXXXXX | 63947.86 | 19.66 | 19.66 | Fully Amortized | 7.750 | 2100.88 | 18.66 | 46.26 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) |
| 166496 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 2362.50 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 141.67 | (No Data) | (No Data) | (No Data) | 70.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 204 | 19500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 709 | 752 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 360000.00 | (No Data) | 726 | 0 | -2865.85 | 0 | 0 | 2865.85 | 0 | 245110.01 | 245110.01 | 245110.01 | XXXXXX | 110147.65 | 38.43 | 35.38 | Fully Amortized | 7.875 | 2610.25 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166122 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 3114.29 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 59.82 | (No Data) | (No Data) | 0.00 | 1442.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 141 | 2000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 657 | 640 | 667 | 548381.65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 440000.00 | (No Data) | 657 | 548381.65 | 532464.48 | 0.9 | 2.9 | 15917.17 | 4959 | 312429.33 | 312429.33 | 312429.33 | XXXXXX | 208991.37 | 38.67 | 38.67 | Fully Amortized | 7.625 | 3114.30 | 0.9 | 2.9 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) |
| 166497 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 6936.38 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 734.64 | (No Data) | (No Data) | 138.33 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 2 | 500.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 980000.00 | (No Data) | Not Applicable | 0 | -9709 | 0 | 0 | 9709 | 0 | 510401.43 | 510401.43 | 510401.43 | XXXXXX | 146647.99 | 15.1 | 15.10 | Fully Amortized | 7.625 | 6936.38 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 165901 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.5000 | 1396.87 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 145.75 | (No Data) | (No Data) | (No Data) | 199.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 11500.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 669 | 652 | 649 | 34049.58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 221000.00 | (No Data) | 652 | 34049.58 | 31448.73 | 0 | 7.64 | 2600.85 | 0 | 127523.93 | 127523.93 | 127523.93 | XXXXXX | 10854.99 | 5.36 | 5.36 | Fully Amortized | 6.500 | 1396.88 | 0 | 7.64 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) |
| 166500 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1528.78 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 113.59 | (No Data) | (No Data) | (No Data) | 48.42 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 215992.00 | (No Data) | Not Applicable | 0 | -2363.21 | 0 | 0 | 2363.21 | 0 | 90666.58 | 90666.58 | 90666.58 | XXXXXX | 14865.71 | 6.29 | 6.29 | Fully Amortized | 7.625 | 1528.78 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166501 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 6051.64 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 128.92 | (No Data) | (No Data) | (No Data) | 369.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 102 | 22000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 790 | 811 | 18798.42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 785 | 755 | 8014.88 | 855000.00 | (No Data) | 803 | 26813.3 | 15335.2 | 28.12 | 42.81 | 11478.1 | 7539.14 | 309497.07 | 294132.61 | 294132.61 | XXXXXX | 198111.46 | 26.28 | 26.28 | Fully Amortized | 7.625 | 6051.64 | 28.12 | 42.81 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | 1099 - 12 months;<br> Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) |
| 166124 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 2611.29 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 90.37 | (No Data) | (No Data) | (No Data) | 897.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 383 | 34200.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 793 | 817 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 800 | 804 | 782 | 0 | 397500.00 | (No Data) | 803 | 0 | -4055.12 | 0 | 0 | 4055.12 | 0 | 799763.72 | 799763.72 | 128590.88 | XXXXXX | 93372.16 | 23.03 | 23.03 | Fully Amortized | 6.875 | 2611.30 | 0 | 0 | Asset Depletion | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167033 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1223.63 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 142.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 77 | 21702.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 669 | 661 | 667 | 0 | 175000.00 | (No Data) | 667 | 0 | -2137.94 | 0 | 0 | 2137.94 | 0 | 152597.05 | 152597.05 | 152597.05 | XXXXXX | 152597.05 | 71.38 | 71.38 | Fully Amortized | 7.500 | 1223.63 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167029 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 7917.71 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 69.97 | 69.97 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 676.92 | (No Data) | (No Data) | 183.83 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 48 | 25000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 736 | 736 | 0 | 1382000.00 | (No Data) | 736 | 0 | -9630.46 | 0 | 0 | 9630.46 | 0 | 39224.97 | 39224.97 | 39224.97 | XXXXXX | 39224.97 | 4.07 | 3.63 | Fully Amortized | 6.875 | 9078.76 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A B | N/A C | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166125 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.6250 | 1568.76 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 53.92 | (No Data) | (No Data) | 0.00 | 1365.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 149 | 45100.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 770 | 766 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 245000.00 | (No Data) | 766 | 0 | -3355.67 | 0 | 0 | 3355.67 | 0 | 752570.16 | 752570.16 | 752570.16 | XXXXXX | 641171.4 | 191.07 | 191.07 | Fully Amortized | 6.625 | 1568.77 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166521 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.5000 | 13907.29 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Full Appraisal | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 1083.38 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 174 | 30500.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 791 | 777 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 530 | 528 | 548 | 0 | 2567500.00 | (No Data) | 777 | 0 | -18354.26 | 0 | 0 | 18354.26 | 0 | 532948.48 | 532948.48 | 532948.48 | XXXXXX | 532948.48 | 29.04 | 25.78 | Fully Amortized | 6.500 | 16228.35 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166507 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 4500.00 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | 59.00 | 59.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 45.79 | (No Data) | (No Data) | 0.00 | 2300.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 93 | 20000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 742 | 727 | 739 | 62550.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 800000.00 | (No Data) | 739 | 62550.67 | 51428.98 | 12.11 | 17.78 | 11121.69 | 7571.78 | 217236.38 | 217236.38 | 217236.38 | XXXXXX | 217236.38 | 28.69 | 26.30 | Fully Amortized | 6.750 | 5188.79 | 13.21 | 18.88 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | CPA Letter - 24 months;<br> P & L Only - 12 months | (No Data) | (No Data) | (No Data) |
| 166525 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 2017.21 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 150.75 | (No Data) | (No Data) | (No Data) | 56.25 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | 285000.00 | (No Data) | Not Applicable | 0 | -2936.28 | 0 | 0 | 2936.28 | 0 | 121565.06 | 121565.06 | 121565.06 | XXXXXX | 25088.03 | 8.54 | 8.54 | Fully Amortized | 7.625 | 2017.22 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166514 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 3266.03 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 114.10 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 188 | 22000.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 721 | 659 | 725 | 26207.94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 751 | 737 | 735 | 0 | 467100.00 | (No Data) | 721 | 26207.94 | 15856.14 | 13.44 | 39.5 | 10351.8 | 3523.44 | 92370.19 | 92370.19 | 92370.19 | XXXXXX | 45470.19 | 12.91 | 12.90 | Fully Amortized | 7.500 | 3266.04 | 13.44 | 39.5 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 14 months;<br> CPA Letter - 23 months | (No Data) | (No Data) | (No Data) |
| 169452 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 722.56 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 144.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 123 | 50000.00 | 24 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 624 | 698 | 668 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 107250.00 | (No Data) | 668 | 0 | -926.81 | 0 | 0 | 926.81 | 0 | 67850.46 | 67850.46 | 67850.46 | XXXXXX | 67850.46 | 73.21 | 73.21 | Fully Amortized | 7.125 | 722.57 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 167013 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 3606.08 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 256.75 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 96 | 5000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 690 | 707 | 667 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 480000.00 | (No Data) | 690 | 0 | -4264.93 | 0 | 0 | 4264.93 | 0 | 191881.64 | 191881.64 | 191881.64 | XXXXXX | 60218.69 | 14.12 | 14.12 | Fully Amortized | 8.250 | 3606.08 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166962 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 4246.76 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 197.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 289 | 30800.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 648 | 684 | 672 | 206708.36 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 677 | 710 | 698 | 0 | 600000.00 | (No Data) | 672 | 206708.36 | 181175.21 | 2.14 | 12.35 | 25533.15 | 4414.99 | 449866.14 | 449866.14 | 449866.14 | XXXXXX | 148528.34 | 28.85 | 28.85 | Fully Amortized | 7.625 | 4246.77 | 2.14 | 12.35 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 180 months | (No Data) | (No Data) | (No Data) |
| 167028 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 1264.07 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 64.41 | 64.41 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 87.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 150 | 48058.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 679 | 701 | 653 | 0 | 190000.00 | (No Data) | 679 | 0 | -1630.79 | 0 | 0 | 1630.79 | 0 | 178236.90 | 178236.9 | 178236.9 | XXXXXX | 178236.9 | 109.29 | 109.29 | Fully Amortized | 7.000 | 1264.08 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166998 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 1001.28 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 101.17 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 144 | 48058.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 679 | 701 | 653 | 0 | 150500.00 | (No Data) | 679 | 0 | -1265.07 | 0 | 0 | 1265.07 | 0 | 138395.16 | 138395.16 | 138395.16 | XXXXXX | 138395.16 | 109.4 | 109.40 | Fully Amortized | 7.000 | 1001.29 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 166982 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 2435.89 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 53.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 2 | 500.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 695 | 737 | 16343.80 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 370800.00 | (No Data) | 714 | 16343.8 | 13256.57 | 17.92 | 18.89 | 3087.23 | 2928.47 | 254919.47 | 254919.47 | 254919.47 | XXXXXX | 254919.47 | 87.05 | 87.05 | Fully Amortized | 6.875 | 2435.90 | 17.92 | 18.89 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) |
| 167036 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1312.50 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 36 | 6 mos interest on amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 49.38 | 49.38 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 167.61 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 312 | 32042.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 635 | 597 | 665 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 200000.00 | (No Data) | 635 | 0 | -1861.95 | 0 | 0 | 1861.95 | 0 | 188350.20 | 188350.2 | 188350.2 | XXXXXX | 188350.2 | 101.16 | 94.19 | Fully Amortized | 7.875 | 1450.14 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167023 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 869.77 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 89.82 | (No Data) | (No Data) | 0.00 | 430.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 126 | 3000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 746 | 792 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 127500.00 | (No Data) | 784 | 0 | -1592.56 | 0 | 0 | 1592.56 | 0 | 15967.52 | 15967.52 | 15967.52 | XXXXXX | 15967.52 | 10.03 | 10.03 | Fully Amortized | 7.250 | 869.78 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167000 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.3750 | 865.02 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 113.75 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 269 | 27400.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 670 | 678 | 704 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 104000.00 | (No Data) | 678 | 0 | -1066.54 | 0 | 0 | 1066.54 | 0 | 53823.13 | 53823.13 | 53823.13 | XXXXXX | 17168.41 | 16.1 | 16.10 | Fully Amortized | 9.375 | 865.02 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167014 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.5000 | 790.09 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 46.30 | 46.30 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 65.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 224 | 14000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 801 | 798 | 792 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 125000.00 | (No Data) | 798 | 0 | -1047.83 | 0 | 0 | 1047.83 | 0 | 118019.02 | 118019.02 | 118019.02 | XXXXXX | 118019.02 | 112.63 | 112.63 | Fully Amortized | 6.500 | 790.09 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167031 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.6250 | 797.83 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 69.61 | 69.61 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 107.97 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 108 | 43900.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 756 | 755 | 0 | 124600.00 | (No Data) | 755 | 0 | -1116.25 | 0 | 0 | 1116.25 | 0 | 9287.65 | 9287.65 | 9287.65 | XXXXXX | 9287.65 | 8.32 | 8.32 | Fully Amortized | 6.625 | 797.83 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167022 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1678.15 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 227.12 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 20000.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 613 | 655 | 665 | 0 | 246000.00 | (No Data) | 655 | 0 | -2348.44 | 0 | 0 | 2348.44 | 0 | 208320.19 | 208320.19 | 208320.19 | XXXXXX | 208320.19 | 88.71 | 88.71 | Fully Amortized | 7.250 | 1678.16 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167008 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 827.73 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 212.18 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 51 | 28100.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 728 | 733 | 718 | 0 | 126000.00 | (No Data) | 728 | 0 | -1228.13 | 0 | 0 | 1228.13 | 0 | 36044.71 | 36044.71 | 36044.71 | XXXXXX | 36044.71 | 29.35 | 29.35 | Fully Amortized | 6.875 | 827.74 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166972 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 2318.73 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 169.75 | (No Data) | (No Data) | (No Data) | 78.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 180 | 6050.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 802 | 790 | 45442.57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 327600.00 | (No Data) | 790 | 45442.57 | 41920.01 | 6.16 | 7.75 | 3522.56 | 2797.56 | 148662.01 | 148662.01 | 148662.01 | XXXXXX | 90818.42 | 32.46 | 32.46 | Fully Amortized | 7.625 | 2318.74 | 6.16 | 7.75 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 166963 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 2629.61 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 105.26 | (No Data) | (No Data) | (No Data) | 74.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 120 | 46952.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 662 | 726 | 701 | 35028.04 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 395250.00 | (No Data) | 701 | 35028.04 | 27909.18 | 8.84 | 20.32 | 7118.86 | 3095.96 | 206315.01 | 185683.51 | 185683.51 | XXXXXX | 113987.71 | 36.82 | 36.82 | Fully Amortized | 7.000 | 2629.61 | 8.84 | 20.32 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | A B | A C | A B | A | Business Bank Statements - 24 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) |
| 167006 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.5000 | 1880.40 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 59.50 | (No Data) | (No Data) | (No Data) | 90.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 268 | 31865.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 788 | 797 | 755 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 807 | 744 | 0 | 297500.00 | (No Data) | 788 | 0 | -2211.46 | 0 | 0 | 2211.46 | 0 | 290528.22 | 290528.22 | 290528.22 | XXXXXX | 290528.22 | 131.37 | 131.37 | Fully Amortized | 6.500 | 1880.41 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167035 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9900 | 5582.90 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 219.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 278 | 66700.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 652 | 674 | 710 | 0 | 840000.00 | (No Data) | 674 | 0 | -6659.04 | 0 | 0 | 6659.04 | 0 | 163901.55 | 163901.55 | 163901.55 | XXXXXX | 163901.55 | 24.61 | 24.61 | Fully Amortized | 6.990 | 5582.91 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167027 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 682.14 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 126.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 280 | 30000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 776 | 776 | 0 | 101250.00 | (No Data) | 776 | 0 | -912.81 | 0 | 0 | 912.81 | 0 | 90050.75 | 90050.75 | 90050.75 | XXXXXX | 90050.75 | 98.65 | 98.65 | Fully Amortized | 7.125 | 682.15 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166997 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 707.40 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 94.75 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 280 | 50000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 776 | 776 | 0 | 105000.00 | (No Data) | 776 | 0 | -925.02 | 0 | 0 | 925.02 | 0 | 93530.73 | 93530.73 | 93530.73 | XXXXXX | 93530.73 | 101.11 | 101.11 | Fully Amortized | 7.125 | 707.41 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166957 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 2442.60 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 261.58 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 48 | 4000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 728 | 724 | 8044.41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 345100.00 | (No Data) | 728 | 8044.41 | 4761.48 | 39.63 | 40.81 | 3282.93 | 3187.93 | 76545.54 | 76545.54 | 76545.54 | XXXXXX | 24145.54 | 7.57 | 7.57 | Fully Amortized | 7.625 | 2442.60 | 39.63 | 40.81 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A B | A D | A B | A | Business Bank Statements - 12 months;<br> CPA Letter - 66 months | (No Data) | (No Data) | (No Data) |
| 169479 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 852.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 55.00 | 55.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 221.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 352 | 74880.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 685 | 614 | 653 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 129800.00 | (No Data) | 653 | 0 | -1392.69 | 0 | 0 | 1392.69 | 0 | 116031.77 | 116031.77 | 116031.77 | XXXXXX | 116031.77 | 83.31 | 83.31 | Fully Amortized | 6.875 | 852.70 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 169428 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1757.06 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | Not Applicable | XXXXXX | 59.27 | 59.27 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 238.42 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 228 | 17000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 631 | 671 | 661 | 0 | 260800.00 | (No Data) | 661 | 0 | -2799.17 | 0 | 0 | 2799.17 | 0 | 225229.32 | 225229.32 | 225229.32 | XXXXXX | 225229.32 | 80.46 | 80.46 | Fully Amortized | 7.125 | 1757.06 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 169446 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1482.19 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 154.13 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 121 | 4200.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 746 | 714 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 229500.00 | (No Data) | 725 | 0 | -1691.37 | 0 | 0 | 1691.37 | 0 | 60079.82 | 60079.82 | 60079.82 | XXXXXX | 5266.86 | 3.11 | 2.84 | Fully Amortized | 7.750 | 1482.19 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 169431 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 2015.87 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 303.22 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 233 | 29.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 597 | 664 | 669 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 303000.00 | (No Data) | 664 | 0 | -3075.68 | 0 | 0 | 3075.68 | 0 | 78410.19 | 78410.19 | 78410.19 | XXXXXX | 78410.19 | 25.49 | 25.49 | Fully Amortized | 7.000 | 2015.87 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 169402 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 3113.90 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 79.99 | 79.99 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 269.40 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 228 | 1500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 663 | 631 | 648 | 11955.69 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 439945.00 | (No Data) | 648 | 11955.69 | 6443.03 | 33.69 | 46.11 | 5512.66 | 4027.66 | 121021.51 | 121021.51 | 121021.51 | XXXXXX | 15966.51 | 3.96 | 3.96 | Fully Amortized | 7.625 | 3113.91 | 33.69 | 46.11 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | (No Data) |
| 169444 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 4148.16 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 69.28 | 69.28 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Final Title | Fee Simple | XXXXXX | 347.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 124 | 64000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 639 | 672 | 640 | 0 | 623500.00 | (No Data) | 640 | 0 | -5992.88 | 0 | 0 | 5992.88 | 0 | 5600.00 | 5600 | 5600 | XXXXXX | 5600 | 0.93 | 0.93 | Fully Amortized | 7.000 | 4148.17 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 169419 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 685.23 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 58.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 141 | 13000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 689 | 689 | 603 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 98000.00 | (No Data) | 646 | 0 | -818.67 | 0 | 0 | 818.67 | 0 | 59413.89 | 59413.89 | 59413.89 | XXXXXX | 3959.82 | 4.84 | 4.84 | Fully Amortized | 7.500 | 685.24 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 165767 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 5444.73 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 234.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 79 | 35210.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 760 | 724 | 42733.80 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 724 | 42733.8 | 33222.59 | 14.56 | 22.26 | 9511.21 | 6220.33 | 161841.25 | 161841.25 | 161841.25 | XXXXXX | 161841.25 | 26.02 | 26.02 | Fully Amortized | 7.750 | 5444.74 | 14.56 | 22.26 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D | C B A | B D A | C B A | B | Business Bank Statements - 13 months | (No Data) | (No Data) | (No Data) |
| 165772 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 899.09 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 26.09 | (No Data) | (No Data) | (No Data) | 390.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 80 | 17750.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 705 | 724 | 722 | 0 | (No Data) | (No Data) | 722 | 0 | -1487.51 | 0 | 0 | 1487.51 | 0 | 36155.49 | 36155.49 | 36155.49 | XXXXXX | 36155.49 | 24.31 | 24.31 | Fully Amortized | 7.875 | 899.09 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | N/A B | N/A D B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 165768 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 2323.33 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 123.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 50 | 10500.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 721 | 691 | 0 | (No Data) | (No Data) | 721 | 0 | -2690.1 | 0 | 0 | 2690.1 | 0 | 897573.83 | 837554.02 | 837554.02 | XXXXXX | 837554.02 | 311.35 | 302.22 | Fully Amortized | 8.500 | 2404.55 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 165784 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1547.11 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX |  | XXXXXX | 79.43 | 79.43 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 93.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 215 | 24000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 750 | 754 | 0 | (No Data) | (No Data) | 753 | 0 | -1711.81 | 0 | 0 | 1711.81 | 0 | 208057.01 | 208057.01 | 208057.01 | XXXXXX | 208057.01 | 121.54 | 121.54 | Fully Amortized | 7.375 | 1547.12 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 165759 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1768.13 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Rural | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 83.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 215 | 20200.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 750 | 754 | 0 | (No Data) | (No Data) | 753 | 0 | -1888.34 | 0 | 0 | 1888.34 | 0 | 240130.84 | 240130.84 | 240130.84 | XXXXXX | 240130.84 | 127.16 | 127.16 | Fully Amortized | 7.375 | 1768.13 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 165773 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 4642.35 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 106.59 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 226 | 1.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 734 | 729 | 20019.08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 727 | 766 | 3948.28 | (No Data) | (No Data) | 734 | 23967.36 | 12259.84 | 22.52 | 48.85 | 11707.52 | 5396.52 | 70152.64 | 70152.64 | 70152.64 | XXXXXX | 70152.64 | 13 | 13.00 | Fully Amortized | 7.750 | 4642.36 | 22.52 | 48.85 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter - 36 months | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) |
| 165786 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 2399.01 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 1% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 200.98 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 77 | 33000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 730 | 674 | 87355.22 | (No Data) | (No Data) | 730 | 87355.22 | 64357.74 | 2.33 | 26.33 | 22997.48 | 2034.33 | 82763.99 | 82763.99 | 82763.99 | XXXXXX | 82763.99 | 24.35 | 24.35 | Fully Amortized | 8.500 | 2399.02 | 2.33 | 26.33 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) |
| 165777 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1762.02 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 135.37 | (No Data) | (No Data) | (No Data) | 25.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 134 | 12700.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 694 | 722 | 10300.32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 715 | 10300.32 | 5402.48 | 22.11 | 47.55 | 4897.84 | 2277.84 | 115759.86 | 115759.86 | 115759.86 | XXXXXX | 115759.86 | 50.82 | 50.82 | Fully Amortized | 7.500 | 1762.03 | 22.11 | 47.55 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 152706 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.3750 | 4619.34 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 569.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | Not Applicable | 0 | -6292.76 | 0 | 0 | 6292.76 | 0 | 560571.89 | 560571.89 | 560571.89 | XXXXXX | 560571.89 | 89.08 | 89.08 | Fully Amortized | 8.375 | 4619.34 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 165771 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 3793.78 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 513.68 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 9 | 30000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 742 | 724 | 753 | 0 | (No Data) | (No Data) | 742 | 0 | -5089.08 | 0 | 0 | 5089.08 | 0 | 174491.56 | 174491.56 | 174491.56 | XXXXXX | 174491.56 | 34.29 | 34.29 | Fully Amortized | 7.625 | 3793.78 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 165776 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.6250 | 5885.74 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 137.50 | (No Data) | (No Data) | 0.00 | 127.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 20 | 50000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 758 | 756 | 10913.45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 798 | 705 | 7177.05 | (No Data) | (No Data) | 756 | 18090.5 | 9048.23 | 38.96 | 49.98 | 9042.27 | 7047.27 | 297549.35 | 241593.31 | 111029.23 | XXXXXX | 241593.31 | 34.28 | 34.28 | Fully Amortized | 6.625 | 5885.74 | 38.96 | 49.98 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | D A | A D C | D A | A | Business Bank Statements - 12 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) |
| 165783 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1331.83 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 34.83 | (No Data) | (No Data) | (No Data) | 496.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 60 | 13000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 755 | 706 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 738 | 0 | -2241.13 | 0 | 0 | 2241.13 | 0 | 190225.80 | 190225.8 | 190225.8 | XXXXXX | 190225.8 | 84.88 | 82.42 | Qualifying Rate, Fully Amortized | 7.625 | 1398.72 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 165785 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 7999.00 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 236.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 160 | 39500.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 694 | 747 | 194824.47 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 747 | 194824.47 | 98173.53 | 9.42 | 49.61 | 96650.94 | 18354.77 | 350377.24 | 350377.24 | 350377.24 | XXXXXX | 350377.24 | 38.82 | 38.82 | Qualifying Rate | 7.999 | 7999.00 | 9.42 | 49.61 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 165778 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1896.89 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 211.22 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 81 | 12500.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 700 | 712 | 14892.97 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 712 | 14892.97 | 10994.86 | 17.49 | 26.17 | 3898.11 | 2604.11 | 74916.56 | 73402.9 | 73402.9 | XXXXXX | 73402.9 | 28.19 | 28.19 | Fully Amortized | 7.625 | 1896.89 | 17.49 | 26.17 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 166243 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 2692.95 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 897.66 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 350 | 42776.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 646 | 665 | 670 | 0 | (No Data) | (No Data) | 665 | 0 | -4280.36 | 0 | 0 | 4280.36 | 0 | 77179.70 | 77179.7 | 77179.7 | XXXXXX | 77179.7 | 18.03 | 17.71 | Fully Amortized | 8.999 | 2769.69 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 166247 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 1094.19 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 87.74 | 87.74 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 149.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 207 | 68550.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 754 | 710 | 0 | (No Data) | (No Data) | 720 | 0 | -1522.71 | 0 | 0 | 1522.71 | 0 | 127408.83 | 127408.83 | 127408.83 | XXXXXX | 127408.83 | 83.67 | 83.67 | Fully Amortized | 8.999 | 1094.19 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months |
| 166244 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1661.43 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Mid Rise Condo (5-8) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 55.50 | 55.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Leasehold | XXXXXX | 142.87 | (No Data) | (No Data) | 0.00 | 900.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 262 | 32600.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 781 | 774 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 774 | 0 | -3106 | 0 | 0 | 3106 | 0 | 360547.64 | 360547.64 | 360547.64 | XXXXXX | 162803.6 | 52.42 | 52.42 | Fully Amortized | 6.999 | 1661.43 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166234 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1559.98 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 170.21 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 234 | 27162.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 699 | 685 | 695 | 7531.30 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 727 | 724 | 706 | 0 | (No Data) | (No Data) | 695 | 7531.3 | 4928.95 | 27.34 | 34.55 | 2602.35 | 2059.35 | 738484.74 | 564291.33 | 564291.33 | XXXXXX | 451877.72 | 219.43 | 219.43 | Fully Amortized | 6.999 | 1559.98 | 27.34 | 34.55 | Asset Depletion | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) |
| 166249 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 2106.39 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Condotel | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 50.75 | (No Data) | (No Data) | 0.00 | 1292.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 309 | 58441.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 800 | 815 | 10218 | (No Data) | (No Data) | 804 | 19745.03 | 11915.1 | 17.99 | 39.66 | 7829.93 | 3552 | 216779.21 | 188618.15 | 188618.15 | XXXXXX | 96592.03 | 25 | 25.00 | Fully Amortized | 7.625 | 2106.40 | 17.99 | 39.66 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | N/A B | N/A D C | N/A B | N/A | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) |
| 166246 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1907.47 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 169.77 | (No Data) | (No Data) | 0.00 | 967.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 196 | 35000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 756 | 781 | 734 | 66717.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 756 | 66717.25 | 58474.85 | 4.72 | 12.35 | 8242.4 | 3146.33 | 178673.10 | 178673.1 | 178673.1 | XXXXXX | 75997.16 | 22.12 | 22.12 | Fully Amortized | 7.125 | 1907.47 | 4.72 | 12.35 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Tax Return - 12 months;<br> CPA Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) |
| 166241 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 3904.76 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 76.50 | 76.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 105.33 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 258 | 27000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 768 | 738 | 793 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 793 | 777 | 770 | 0 | (No Data) | (No Data) | 768 | 0 | -4601.01 | 0 | 0 | 4601.01 | 0 | 160368.52 | 113294.01 | 113294.01 | XXXXXX | 107445.89 | 23.35 | 23.35 | Fully Amortized | 7.500 | 3904.77 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months |
| 166245 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 3494.53 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 56.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 296 | 35000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 814 | 805 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 805 | 0 | -3663.7 | 0 | 0 | 3663.7 | 0 | 252626.02 | 252626.02 | 252626.02 | XXXXXX | 70042.62 | 19.12 | 18.33 | Fully Amortized | 7.875 | 3652.68 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 166238 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 961.14 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | 50.00 | 50.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 111.67 | (No Data) | (No Data) | 0.00 | 220.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 15 | 5000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 676 | 645 | 670 | 9402.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 670 | 9402 | 6903.12 | 16.41 | 26.58 | 2498.88 | 1542.88 | 628392.00 | 140000 | 140000 | XXXXXX | 14859.82 | 9.63 | 9.63 | Fully Amortized | 8.500 | 961.15 | 16.41 | 26.58 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 6 months;<br> W2 - 12 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) |
| 166239 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 4648.80 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 121.17 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 233 | 13000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 673 | 683 | 13110.37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 608 | 625 | 615 | 13110.37 | (No Data) | (No Data) | 674 | 26220.74 | 14682.14 | 19.85 | 44.01 | 11538.6 | 5204.08 | 232055.03 | 232055.03 | 232055.03 | XXXXXX | 232055.03 | 44.59 | 44.59 | Fully Amortized | 7.750 | 4648.80 | 19.85 | 44.01 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) |
| 167392 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | 2920.63 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 60.33 | (No Data) | (No Data) | (No Data) | 145.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 425 | 25000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 718 | 732 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 718 | 0 | -5765.38 | 0 | 0 | 5765.38 | 718.42 | 169975.41 | 169975.41 | 169975.41 | XXXXXX | 32291.65 | 9.42 | 9.42 | Fully Amortized | 8.750 | 2920.63 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167528 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.0000 | 1810.56 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 28.33 | (No Data) | (No Data) | (No Data) | 1752.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 317 | 26700.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 793 | 792 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 840 | 795 | 0 | (No Data) | (No Data) | 793 | 0 | -17683.29 | 0 | 0 | 17683.29 | 3181.51 | 130890.88 | 130890.88 | 130890.88 | XXXXXX | 45701.17 | 12.21 | 12.21 | Fully Amortized | 8.000 | 1810.57 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167526 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9900 | 2220.78 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | (No Data) | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 307.13 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 205 | 20000.00 | 27 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 593 | 602 | 641 | 0 | 276250.00 | (No Data) | 769 | 0 | -2953.41 | 0 | 0 | 2953.41 | 0 | 181263.07 | 181263.07 | 181263.07 | XXXXXX | 118898.85 | 40.26 | 40.26 | Fully Amortized | 8.990 | 2220.79 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 167393 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 2240.95 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 2%, 1% of UPB in year 1,2 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 118.00 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 225 | 25931.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 724 | 768 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 767 | 0 | -16478.58 | 0 | 0 | 16478.58 | 4315 | 207984.70 | 207984.7 | 207984.7 | XXXXXX | 86796.97 | 30.2 | 30.20 | Fully Amortized | 7.250 | 2240.95 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167502 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1289.54 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 75.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 387 | 24000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 740 | 743 | 0 | (No Data) | (No Data) | 740 | 0 | -1579.87 | 0 | 0 | 1579.87 | 0 | 11264.20 | 11264.2 | 11264.2 | XXXXXX | 11264.2 | 7.13 | 7.13 | Fully Amortized | 7.750 | 1289.55 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A B | N/A C | N/A B | N/A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 167429 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 3872.44 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 817.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 248 | 0.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 695 | 714 | 0 | (No Data) | (No Data) | 714 | 0 | -5122.94 | 0 | 0 | 5122.94 | 0 | 45278.80 | 45278.8 | 45278.8 | XXXXXX | 45278.8 | 8.84 | 8.84 | Fully Amortized | 7.999 | 3872.45 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167517 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1212.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 218.00 | (No Data) | (No Data) | 132.17 | 674.10 | Present | XXXXXX | 2 | No | Present | XXXXXX | 255 | 52039.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 752 | 769 | 742 | 0 | (No Data) | (No Data) | 752 | 0 | -6427.67 | 0 | 0 | 6427.67 | 1798 | 130059.24 | 130059.24 | 130059.24 | XXXXXX | 57094.15 | 23.08 | 23.08 | Fully Amortized | 7.125 | 1212.70 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 167516 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1282.49 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 122.64 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 120 | 30000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 770 | 775 | 751 | 0 | (No Data) | (No Data) | 770 | 0 | -1560.63 | 0 | 0 | 1560.63 | 0 | 28417.65 | 28417.65 | 28417.65 | XXXXXX | 28417.65 | 18.21 | 18.21 | Fully Amortized | 7.250 | 1282.50 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 167399 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 2202.46 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Short Form Limited Final | Fee Simple | XXXXXX | 79.96 | (No Data) | (No Data) | 0.00 | 445.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 389 | 25000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 681 | 705 | 709 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 705 | 0 | -2973.03 | 0 | 0 | 2973.03 | 0 | 68326.30 | 68326.3 | 68326.3 | XXXXXX | 68326.3 | 22.98 | 22.98 | Fully Amortized | 8.999 | 2202.46 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167430 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 2770.15 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 57.98 | 57.98 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 101.60 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 37 | 300000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 658 | 694 | 636 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 658 | 0 | -2961.84 | 0 | 0 | 2961.84 | 0 | 50100.53 | 50100.53 | 50100.53 | XXXXXX | 50100.53 | 16.92 | 16.92 | Fully Amortized | 8.250 | 2770.15 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167521 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.0000 | 3313.33 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 476.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 159 | 40000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 692 | 715 | 737 | 0 | 497000.00 | (No Data) | 715 | 0 | -5068.22 | 0 | 0 | 5068.22 | 0 | 42671.96 | 42671.96 | 42671.96 | XXXXXX | 42671.96 | 8.42 | 7.90 | Fully Amortized | 8.000 | 3646.81 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167408 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 4530.83 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 192.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 266 | 400.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 751 | 771 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 656000.00 | (No Data) | 767 | 0 | -5577.5 | 0 | 0 | 5577.5 | 0 | 57500.00 | 57500 | 57500 | XXXXXX | 1344.36 | 0.24 | 0.24 | Fully Amortized | 7.375 | 4530.83 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167400 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 3095.37 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 80.17 | (No Data) | (No Data) | (No Data) | 2.50 | Present | XXXXXX | 2 | No | Present | XXXXXX | 173 | 23700.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 764 | 732 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 742 | 754 | 733 | 0 | 453750.00 | (No Data) | 742 | 0 | -3693.2 | 0 | 0 | 3693.2 | 0 | 162309.84 | 162309.84 | 162309.84 | XXXXXX | 8584.28 | 2.32 | 2.32 | Fully Amortized | 7.250 | 3095.38 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167519 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1313.86 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | (No Data) | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 40.16 | 40.16 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 68.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 12000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 655 | 687 | 663 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 593 | 631 | 628 | 0 | 200000.00 | (No Data) | 663 | 0 | -1617.24 | 0 | 0 | 1617.24 | 0 | 140024.05 | 140024.05 | 140024.05 | XXXXXX | 140024.05 | 86.58 | 86.58 | Fully Amortized | 6.875 | 1313.86 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167456 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1490.14 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 235.96 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 175 | 19100.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 733 | 741 | 726 | 0 | (No Data) | (No Data) | 733 | 0 | -1857.23 | 0 | 0 | 1857.23 | 0 | 80719.07 | 64375.66 | 48032.24 | XXXXXX | 17625.62 | 9.49 | 9.49 | Fully Amortized | 7.750 | 1490.14 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167427 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1774.61 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 49.05 | (No Data) | (No Data) | (No Data) | 115.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 151 | 99900.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 795 | 804 | 0 | (No Data) | (No Data) | 802 | 0 | -2274.88 | 0 | 0 | 2274.88 | 0 | 147125.19 | 147125.19 | 147125.19 | XXXXXX | 54344.27 | 23.89 | 23.89 | Fully Amortized | 7.500 | 1774.61 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167474 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1806.55 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 71.43 | 71.43 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 92.22 | (No Data) | (No Data) | 94.25 | 95.83 | Present | XXXXXX | 5 | No | Present | XXXXXX | 219 | 54500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 801 | 811 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 801 | 0 | -2577.26 | 0 | 0 | 2577.26 | 0 | 265555.73 | 265555.73 | 265555.73 | XXXXXX | 265555.73 | 103.04 | 103.04 | Fully Amortized | 6.875 | 1806.56 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167403 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1391.23 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 75.17 | (No Data) | (No Data) | (No Data) | 100.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 275 | 60000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 789 | 716 | 0 | (No Data) | (No Data) | 758 | 0 | -1785.32 | 0 | 0 | 1785.32 | 0 | 198992.26 | 198992.26 | 0 | XXXXXX | 198992.26 | 111.46 | 111.46 | Fully Amortized | 7.125 | 1391.23 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 167426 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1681.74 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 326.77 | (No Data) | (No Data) | 146.15 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 340 | 35000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 712 | 768 | 720 | 0 | 256000.00 | (No Data) | 720 | 0 | -2522.54 | 0 | 0 | 2522.54 | 0 | 7024.12 | 7024.12 | 7024.12 | XXXXXX | 7024.12 | 2.78 | 2.78 | Fully Amortized | 6.875 | 1681.74 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167511 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 685.26 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 58.68 | 58.68 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 147.79 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 5 | 5000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 701 | 675 | 612 | 0 | 111500.00 | (No Data) | 675 | 0 | -1036.22 | 0 | 0 | 1036.22 | 0 | 35973.63 | 35973.63 | 35973.63 | XXXXXX | 35973.63 | 34.72 | 32.09 | Fully Amortized | 7.375 | 770.11 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167494 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 5252.76 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 79.25 | (No Data) | (No Data) | 112.50 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 433 | 5800.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 721 | 689 | 683 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 770000.00 | (No Data) | 689 | 0 | -7101.39 | 0 | 0 | 7101.39 | 0 | 318833.85 | 318833.85 | 318833.85 | XXXXXX | 318833.85 | 44.9 | 44.90 | Fully Amortized | 7.250 | 5252.76 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | C B A | B D A | C B A | B | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 167508 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 2407.15 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 194.29 | (No Data) | (No Data) | 0.00 | 2.92 | Present | XXXXXX | 2 | No | Present | XXXXXX | 294 | 22200.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 692 | 703 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 336000.00 | (No Data) | 692 | 0 | -3697.31 | 0 | 0 | 3697.31 | 0 | 190791.87 | 190791.87 | 190791.87 | XXXXXX | 26748.75 | 7.23 | 7.23 | Fully Amortized | 7.750 | 2407.15 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167513 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 2187.90 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 214.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 178 | 34500.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 728 | 746 | 0 | 301750.00 | (No Data) | 728 | 0 | -2995.65 | 0 | 0 | 2995.65 | 0 | 80000.00 | 80000 | 80000 | XXXXXX | 5488.2 | 1.83 | 1.83 | Fully Amortized | 7.875 | 2187.90 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167499 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1263.43 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 231.20 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 204 | 19500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | 174250.00 | (No Data) | 783 | 0 | -1640.01 | 0 | 0 | 1640.01 | 0 | 125994.85 | 100358.13 | 100358.13 | XXXXXX | 59024.01 | 35.99 | 35.99 | Fully Amortized | 7.875 | 1263.44 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months |
| 167506 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1790.20 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 127.42 | (No Data) | (No Data) | (No Data) | 91.67 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 66 | 15000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 723 | 728 | 746 | 0 | 262425.00 | (No Data) | 728 | 0 | -2590.39 | 0 | 0 | 2590.39 | 0 | 231740.00 | 231740 | 231740 | XXXXXX | 209452.44 | 80.86 | 80.86 | Fully Amortized | 7.250 | 1790.21 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167509 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 5996.44 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 253.82 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 71 | 14800.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 667 | 642 | 684 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 868200.00 | (No Data) | 667 | 0 | -6978.47 | 0 | 0 | 6978.47 | 0 | 771402.32 | 771402.32 | 771402.32 | XXXXXX | 771402.32 | 110.54 | 110.54 | Fully Amortized | 7.375 | 5996.45 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167512 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 5488.77 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 251.07 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 230 | 14800.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 667 | 642 | 684 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 794696.00 | (No Data) | 667 | 0 | -6445.02 | 0 | 0 | 6445.02 | 0 | 715461.66 | 715461.66 | 715461.66 | XXXXXX | 715461.66 | 111.01 | 111.01 | Fully Amortized | 7.375 | 5488.77 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167496 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 3177.11 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 248.83 | (No Data) | (No Data) | (No Data) | 50.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 48000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 690 | 781 | 687 | 0 | 460000.00 | (No Data) | 690 | 0 | -3725.94 | 0 | 0 | 3725.94 | 0 | 1973374.01 | 1973374.01 | 1973374 | XXXXXX | 1825617.39 | 489.98 | 489.98 | Fully Amortized | 7.375 | 3177.11 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167510 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 4910.32 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% on amt prepd in yr 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 300.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 17600.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 758 | 757 | 782 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 800 | 790 | 766 | 0 | 693750.00 | (No Data) | 790 | 0 | -6173.87 | 0 | 0 | 6173.87 | 0 | 1073024.17 | 1073024.17 | 1073024.2 | XXXXXX | 831309.1 | 134.65 | 134.65 | Fully Amortized | 7.625 | 4910.32 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167495 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 1652.79 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Rural | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 99.42 | (No Data) | (No Data) | 0.00 | 30.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 34 | 1450.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 695 | 663 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 220000.00 | (No Data) | 674 | 0 | -1939.89 | 0 | 0 | 1939.89 | 0 | 61219.17 | 59019.99 | 59019.99 | XXXXXX | 1964.82 | 1.01 | 1.01 | Fully Amortized | 8.250 | 1652.79 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167505 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.6250 | 3827.89 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 6 mos interest on amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 125.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 312 | 20621.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 789 | 812 | 768 | 0 | 492150.00 | (No Data) | 789 | 0 | -4556.02 | 0 | 0 | 4556.02 | 0 | 1314782.63 | 1085325.72 | 1085325.7 | XXXXXX | 987711.7 | 216.79 | 216.79 | Fully Amortized | 8.625 | 3827.90 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167507 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 3925.28 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 41.40 | 41.40 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 220.50 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 204 | 10500.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 659 | 679 | 675 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 590000.00 | (No Data) | 675 | 0 | -4285.75 | 0 | 0 | 4285.75 | 0 | 79541.97 | 79541.97 | 79541.97 | XXXXXX | 79541.97 | 18.56 | 18.56 | Fully Amortized | 7.000 | 3925.29 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167401 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1866.07 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 3% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to inspections w/inspections | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 276.92 | (No Data) | (No Data) | 0.00 | 200.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 110 | 25000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 769 | 759 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 270180.00 | (No Data) | 759 | 0 | -2700.63 | 0 | 0 | 2700.63 | 0 | 172454.53 | 143023.95 | 143023.95 | XXXXXX | 62917.45 | 23.3 | 23.30 | Fully Amortized | 7.375 | 1866.07 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167501 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1911.04 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 145.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 276 | 100000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 797 | 782 | 764 | 0 | 270000.00 | (No Data) | 782 | 0 | -2551.47 | 0 | 0 | 2551.47 | 0 | 578891.45 | 578891.45 | 578891.45 | XXXXXX | 478670.8 | 187.61 | 187.61 | Fully Amortized | 7.625 | 1911.05 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167498 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 2486.43 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | Subject to inspections w/inspections | XXXXXX |  | XXXXXX | 52.17 | 52.17 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 63.75 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 156 | 15000.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 673 | 688 | 666 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 360000.00 | (No Data) | 673 | 0 | -2757.22 | 0 | 0 | 2757.22 | 0 | 101865.56 | 101865.56 | 101865.56 | XXXXXX | 101865.56 | 36.94 | 36.94 | Fully Amortized | 7.375 | 2486.44 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167514 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.3750 | 2871.74 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 121.42 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 173 | 42200.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 825 | 779 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 377825.00 | (No Data) | 802 | 0 | -3336.68 | 0 | 0 | 3336.68 | 0 | 94289.17 | 94289.17 | 94289.17 | XXXXXX | 12004.84 | 3.6 | 3.60 | Fully Amortized | 8.375 | 2871.75 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167497 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 2682.27 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% on amt prepd in yr 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 134.58 | (No Data) | (No Data) | (No Data) | 85.33 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 85 | 23700.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 795 | 784 | 0 | 361250.00 | (No Data) | 784 | 0 | -3608.81 | 0 | 0 | 3608.81 | 0 | 245433.49 | 173171.77 | 173171.77 | XXXXXX | 120224.25 | 33.31 | 33.31 | Fully Amortized | 8.125 | 2682.28 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 162381 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 5784.85 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 286.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 365 | 28800.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 701 | 692 | 666 | 25197.22 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 692 | 25197.22 | 15117.46 | 26.66 | 40 | 10079.76 | 6717.76 | 281411.47 | 281411.47 | 281411.47 | XXXXXX | 95771.47 | 14.26 | 14.26 | Fully Amortized | 7.250 | 5784.86 | 26.66 | 40 | 12mo. Bus. Bank Stmt | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D | A | A D | A | A | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) |
| 167493 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1083.93 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 3%, 2%, 1% of amt prepd in yr 1,2,3 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 55.93 | 55.93 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 153.55 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 328 | 25000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 733 | 743 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | 733 | 0 | -2968.68 | 0 | 0 | 2968.68 | 1535.27 | 39709.44 | 39709.44 | 39709.44 | XXXXXX | 39709.44 | 28.5 | 28.50 | Fully Amortized | 6.875 | 1083.94 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A B | A C | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167503 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 2272.45 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 38.88 | 38.88 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 340.92 | (No Data) | (No Data) | 229.58 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 198 | 23843.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 659 | 673 | 695 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 673 | 0 | -9417.16 | 0 | 0 | 9417.16 | 2043 | 47411.12 | 47411.12 | 47411.12 | XXXXXX | 47411.12 | 14.78 | 14.78 | Fully Amortized | 7.500 | 2272.45 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167437 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.2500 | 1142.46 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 45.48 | 45.48 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 153.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 240 | 25500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 691 | 690 | 741 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 691 | 0 | -2777.55 | 0 | 0 | 2777.55 | 0 | 187665.50 | 187665.5 | 187665.5 | XXXXXX | 187665.5 | 127.25 | 127.25 | Fully Amortized | 6.250 | 1142.47 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 167428 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.3750 | 6841.14 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 148.32 | (No Data) | (No Data) | 46.97 | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 123 | 60688.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 660 | 646 | 617 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 646 | 0 | -15875.54 | 0 | 0 | 15875.54 | 5681 | 60332.97 | 60332.97 | 60332.97 | XXXXXX | 60332.97 | 7.61 | 7.61 | Fully Amortized | 9.375 | 6841.14 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 167477 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1178.50 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 93.52 | (No Data) | (No Data) | (No Data) | 36.25 | Present | XXXXXX | 2 | No | Present | XXXXXX | 147 | 25000.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 681 | 654 | 674 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 674 | 0 | -1744.18 | 0 | 0 | 1744.18 | 0 | 74158.89 | 74158.89 | 74158.89 | XXXXXX | 74158.89 | 42.52 | 42.52 | Fully Amortized | 7.750 | 1178.50 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | D B A | A D B | D B A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 167406 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 3439.61 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 70.82 | 70.82 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 67.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 115 | 28000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 716 | 723 | 721 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 721 | 0 | -14530.38 | 0 | 0 | 14530.38 | 6125.98 | 32710.10 | 32710.1 | 32710.1 | XXXXXX | 23411.45 | 6.09 | 6.09 | Fully Amortized | 7.000 | 3439.62 | 0 | 0 | DSCR | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) |
| 167485 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1414.81 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 51.85 | 51.85 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 265.12 | (No Data) | (No Data) | (No Data) | 65.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 219 | 7500.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 661 | 664 | 677 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 210000.00 | (No Data) | 664 | 0 | -2339.63 | 0 | 0 | 2339.63 | 0 | 101434.23 | 101434.23 | 101434.23 | XXXXXX | 101434.23 | 43.35 | 43.35 | Fully Amortized | 7.125 | 1414.81 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) |
| 167486 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.0000 | 2098.57 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | Subject to inspections w/inspections | XXXXXX |  | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 249.83 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 96 | 9000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 640 | 738 | 675 | 0 | 286000.00 | (No Data) | 675 | 0 | -3357.71 | 0 | 0 | 3357.71 | 0 | 288807.63 | 288807.63 | 288807.63 | XXXXXX | 131039.34 | 39.03 | 39.03 | Fully Amortized | 8.000 | 2098.57 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167478 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 3376.77 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 34.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 137 | 11282.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 685 | 675 | 649 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 495000.00 | (No Data) | 675 | 0 | -3603.58 | 0 | 0 | 3603.58 | 0 | 414773.78 | 414773.78 | 414773.78 | XXXXXX | 414773.78 | 115.1 | 115.10 | Fully Amortized | 7.250 | 3376.78 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167407 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Incomplete | XXXXXX | XXXXXX | XXXXXX | 9.2500 | 894.37 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | Subject to Completion(cert in file) | XXXXXX | Not Applicable | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 86.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 33500.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 753 | 755 | 0 | 108715.00 | (No Data) | 755 | 0 | -1091.5 | 0 | 0 | 1091.5 | 0 | 42710.54 | 42710.54 | 42710.54 | XXXXXX | 13900.27 | 12.74 | 12.73 | Fully Amortized | 9.250 | 894.38 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167480 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 2157.08 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 133.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 4600.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 730 | 714 | 716 | 0 | 297500.00 | (No Data) | 716 | 0 | -2666.9 | 0 | 0 | 2666.9 | 0 | 90919.61 | 90919.61 | 90919.61 | XXXXXX | 25637.29 | 9.61 | 9.61 | Fully Amortized | 7.875 | 2157.09 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167481 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1367.54 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 57.39 | 57.39 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 83.19 | (No Data) | (No Data) | 0.00 | 25.00 | Present | XXXXXX | Unavailable | No | Present | XXXXXX | 88 | 45000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Unavailable | Unavailable | Unavailable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 672 | 677 | 0 | 198000.00 | (No Data) | 677 | 0 | -1551.93 | 0 | 0 | 1551.93 | 0 | 189421.76 | 189421.76 | 189421.76 | XXXXXX | 189421.76 | 122.06 | 122.06 | Fully Amortized | 7.375 | 1367.54 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167422 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1794.26 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 65.84 | 65.84 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 183.83 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 355 | 45000.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 672 | 677 | 0 | 253500.00 | (No Data) | 677 | 0 | -2055.23 | 0 | 0 | 2055.23 | 0 | 243038.92 | 243038.92 | 243038.92 | XXXXXX | 243038.92 | 118.25 | 118.25 | Fully Amortized | 7.625 | 1794.26 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) |
| 167420 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 2477.56 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 144.64 | (No Data) | (No Data) | (No Data) | 897.69 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 168 | 30000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 719 | 778 | 0 | 341700.00 | (No Data) | 757 | 0 | -4445.37 | 0 | 0 | 4445.37 | 0 | 956224.16 | 732662.67 | 732662.67 | XXXXXX | 651836.87 | 146.63 | 146.63 | Fully Amortized | 7.875 | 2477.57 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 167483 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 3908.73 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 512.64 | (No Data) | (No Data) | (No Data) | 83.33 | Present | XXXXXX | 2 | No | Present | XXXXXX | 130 | 106810.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 699 | 685 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 595000.00 | (No Data) | 685 | 0 | -5127.46 | 0 | 0 | 5127.46 | 0 | 347639.07 | 347639.07 | 347639.07 | XXXXXX | 83507.61 | 16.29 | 16.29 | Fully Amortized | 6.875 | 3908.73 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167423 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 1411.25 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 143.96 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 180 | 23900.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 725 | 728 | 746 | 0 | 187850.00 | (No Data) | 728 | 0 | -1985.86 | 0 | 0 | 1985.86 | 0 | 106764.56 | 106764.56 | 106764.56 | XXXXXX | 4142.28 | 2.09 | 2.09 | Fully Amortized | 8.250 | 1411.26 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167421 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 yr Fixed - 10 yr IO | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 3478.91 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 170.75 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 306 | 14000.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 788 | 789 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 547500.00 | (No Data) | 788 | 0 | -4410.77 | 0 | 0 | 4410.77 | 0 | 388198.46 | 365385.1 | 365385.1 | XXXXXX | 191434.69 | 43.4 | 43.40 | Fully Amortized | 7.625 | 3478.91 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167482 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 4613.71 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | Not Applicable | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 316.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 20000.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | 668000.00 | (No Data) | 700 | 0 | -6078.26 | 0 | 0 | 6078.26 | 0 | 198053.37 | 198053.37 | 198053.37 | XXXXXX | 30589.11 | 5.03 | 5.03 | Fully Amortized | 7.375 | 4613.71 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) |
| 167398 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 919.70 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX |  | XXXXXX | 34.15 | 34.15 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 101.08 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 262 | 49600.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 679 | 728 | 712 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 140000.00 | (No Data) | 712 | 0 | -1091.28 | 0 | 0 | 1091.28 | 0 | 129243.44 | 129243.44 | 129243.44 | XXXXXX | 129243.44 | 118.43 | 118.43 | Fully Amortized | 6.875 | 919.71 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167479 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 5547.57 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 399.92 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 80 | 30000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 714 | 720 | 0 | 747150.00 | (No Data) | 720 | 0 | -6210.3 | 0 | 0 | 6210.3 | 0 | 193679.60 | 193679.6 | 193679.6 | XXXXXX | 66513.01 | 10.71 | 10.71 | Fully Amortized | 8.125 | 5547.57 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 167424 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1817.96 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Not Applicable | XXXXXX | 43.70 | 43.70 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 270.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 99 | 14300.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 669 | 643 | 685 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 260000.00 | (No Data) | 669 | 0 | -2833.46 | 0 | 0 | 2833.46 | 0 | 24202.30 | 24202.3 | 24202.3 | XXXXXX | 24202.3 | 8.54 | 8.54 | Fully Amortized | 7.500 | 1817.96 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 167466 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 5176.14 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX |  | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 184.75 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 11 | 9500.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 754 | 767 | 777 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 765000.00 | (No Data) | 767 | 0 | -6808.33 | 0 | 0 | 6808.33 | 0 | 122109.35 | 122109.35 | 122109.35 | XXXXXX | 3991.49 | 0.59 | 0.59 | Fully Amortized | 7.750 | 5176.15 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) |
| 169432 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 16020.37 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Bulk | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | Full Appraisal | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 539.27 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 246 | 11000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 691 | 705 | 0 | 2470000.00 | (No Data) | 705 | 0 | -17471.97 | 0 | 0 | 17471.97 | 0 | 646555.48 | 646555.48 | 646555.48 | XXXXXX | 646555.48 | 37.01 | 37.01 | Fully Amortized | 6.750 | 16020.38 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164925 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 2516.56 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX |  | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 225.52 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 198 | 84200.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 769 | 767 | 746 | 0 | 388000.00 | (No Data) | 767 | 0 | -2997.71 | 0 | 0 | 2997.71 | 0 | 173419.05 | 173419.05 | 173419.05 | XXXXXX | 62510.96 | 20.85 | 20.85 | Fully Amortized | 6.750 | 2516.57 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |
| 164927 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 6929.73 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | Not Applicable | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 155.25 | (No Data) | (No Data) | 0.00 | 41.67 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 184 | 32000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 718 | 758 | 0 | 933300.00 | (No Data) | 758 | 0 | -7966.07 | 0 | 0 | 7966.07 | 0 | 280451.79 | 280451.79 | 280451.79 | XXXXXX | 102000.02 | 12.8 | 98.42 | Fully Amortized | (No Data) | 0.00 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 7**

**Valuations Summary**

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loans In Report: | 209 | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **AUS Information** |
| Loans In Report: | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **AUS Information** |  |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 166172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 166171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 166163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2090 Cooperative (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 153465 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 166162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 166152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 166160 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166158 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 166133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166169 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 166128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 166127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164841 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 164842 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 164844 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165854 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165790 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164318 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| 165793 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 165869 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 164845 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 165791 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 164847 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -2.41% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 164850 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.33% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 164851 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -5.18% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164853 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 |
| 164855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 164857 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 164860 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 163197 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 11.59% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 164862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable | XXXXXX | XXXXXX | XXXXXX | -0.19% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 165876 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 166482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 166483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166484 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164867 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | -4.42% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 165887 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 164871 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 165894 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | -3.85% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 166116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 165884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 164874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 164876 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | -6.38% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 164877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 166486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 165853 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 166995 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 169503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 166961 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -6.86% | XXXXXX | 11.000 | 89.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 163939 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 164890 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164896 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164897 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 164899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 166487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 164903 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 164904 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.17% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 166489 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 11.56% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 166490 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 164907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164908 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 166523 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 166492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164913 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.72% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | -7.69% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165881 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164921 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 166520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 164922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 2.57% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 166497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable | XXXXXX | XXXXXX | XXXXXX | -1.79% | XXXXXX | 1.000 | 94.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 |
| 165901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -9.94% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 166500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 2.00% | XXXXXX | 7.000 | 93.00 | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 5.68% | XXXXXX | 6.000 | 94.00 | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 167029 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | -3.80% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 166125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 166521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | -3.66% | Full Appraisal |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | -3.66% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 166507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 166525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 169452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | -6.67% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 167013 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 166962 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -8.38% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 166982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 167036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167023 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 167000 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167014 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 167022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167008 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 166972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 8.72% | XXXXXX | 2.000 | 98.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 166963 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167006 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 167035 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167027 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166997 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 169479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 169428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable | XXXXXX | XXXXXX | XXXXXX | 3.20% | XXXXXX | 10.000 | 90.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 169446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 169431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 169402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 169444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -8.28% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 169419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable | XXXXXX | XXXXXX | XXXXXX | 0.63% | XXXXXX | 1.000 | 99.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 165767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165772 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 165768 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165784 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 5.32% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 165759 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165773 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165786 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 165777 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 152706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 165771 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | -0.30% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | -2.79% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 165783 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 165785 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 165778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 166243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 166247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 166244 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 166234 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 166249 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 166246 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 166241 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 166245 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 2.96% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 166238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 166239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 167392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167526 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167502 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 167517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 167399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167430 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | -8.45% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167408 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 167519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167456 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 167427 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 167403 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 167511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 167494 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167508 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 167513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 167499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 167506 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 167509 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 4.04% | XXXXXX | 13.000 | 87.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 167510 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0.22% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| 167495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.90% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.40% | XXXXXX | 12.000 | 88.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -2.57% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 167501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -2.11% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.92% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 167497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 162381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167437 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 167477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167485 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167478 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable | XXXXXX | XXXXXX | XXXXXX | -1.27% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 167480 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 167481 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167420 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 167483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 167423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 6.06% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 167421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 167482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 167398 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 167424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 167466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 169432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | 1.32% | Full Appraisal |  | $0.00 | $0.00 | 0.00% | XXXXXX |  |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 164925 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 0.25% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 164927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 8**

**Waived Conditions Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Legal Documents | XXXX | Loan File is Missing or Contains Insufficient Documentation for Basic Review | 1 |
| Credit | Terms/Guidelines | XXXX | Loan documents do not meet guideline requirements | 1 |
| Credit | Terms/Guidelines | XXXX | Borrower does not meet guideline requirements | 1 |
| Credit | Credit/Mtg History | XXXX | Credit score below guidelines | 3 |
| Credit | Credit/Mtg History | XXXX | Length of mortgage/rental history in file does not meet guideline requirement | 4 |
| Credit | Credit/Mtg History | XXXX | Number of mortgaged properties exceeds guideline limit | 2 |
| Credit | Credit/Mtg History | XXXX | # of Tradelines Does Not Meet Guideline Requirements | 2 |
| Credit | DTI | XXXX | Debt Ratio Exception 5% or Less | 1 |
| Credit | LTV/CLTV | XXXX | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 3 |
| Credit | LTV/CLTV | XXXX | LTV Exceeds Guideline Requirement by less than 5% | 2 |
| Credit | Assets | XXXX | Asset documentation is insufficient per guideline requirements | 3 |
| Credit | Assets | XXXX | Insufficient # of months cash reserves for PITI per guideline requirements | 3 |
| Property Valuations | Property | XXXX | Property Issues Indicated | 2 |
| **Total** |  |  |  | **28** |

---

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## Exhibit 99.5

**Exhibit 99.5**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of PRP-Annex VI AIV, LLC (the "Client"). The review included a total of 200 residential mortgage loans, in connection with the securitization identified as PRPM 2026-NQM2 (the "Securitization"). The Review was conducted from March 2025 through March 2026 on mortgage loans originated between February 2025 and February 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 Clients prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve the
loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review condominium questionnaire to verify all information is complete, prepared by an authorized representative,
and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;j. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable
dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor
is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October 24,
2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised
March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed Loan Program, revised
March 19, 2020.

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test
 Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
 whether specified federal disclosures were provided timely based upon comparison of the application
 date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active and properly
 disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Clients or by the purchaser
 of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review
 closing documents to ensure that the Mortgage Loan information is complete, accurate, and
 consistent with other documents; Confirm collateral documents have been recorded or sent
 for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal, determination that property is in "average" condition or better,
 or property requires cosmetic improvements (as defined by the appraiser) that do not affect
 habitability. Should an area of concern be identified with the condition of the property,
 Consolidated Analytics will alert Clients.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed and appraisal is on an "as
 is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser
 indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and reliable
 value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Clients.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the appraisal
 LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score
 was greater than 2.5 or the LCA score was not eligible for R&W relief, an additional
 valuation product was obtained to confirm value was supported within 10% tolerance. In some
 instances, based on guidance from the seller, CDA's were ordered on loans that had
 an acceptable CU score or R&W eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (200 loans in total):

One (1) loan had a Secondary Appraisal, zero (0) loans had AVMs, and ninety-two (92) loans had a Desktop Review.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

Zero (0) loans had a Field Review or BPO, zero (0) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

**Product totals may not sum due to multiple products for each loan.**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred (200) mortgage loans reviewed, one hundred thirty-three (133) unique mortgage loans (66.50% by loan count) had a total of one hundred ninety-one (191) tape discrepancies across twenty-seven (27) 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** |
| Application Date | 44 | 23.04% |
| PITIA | 25 | 13.09% |
| Qualifying Total Debt Income Ratio | 23 | 12.04% |
| Cash out Include Debt Paid at Close | 19 | 9.95% |
| Property Type | 10 | 5.24% |
| Property Value | 9 | 4.71% |
| DSCR | 9 | 4.71% |
| Credit QM/ATR Designation | 8 | 4.19% |
| P&I | 7 | 3.66% |
| Qualifying LTV | 6 | 3.14% |
| Property Attachment Type | 5 | 2.62% |
| As-Is Value | 3 | 1.57% |
| Loan Purpose | 3 | 1.57% |
| Monthly Taxes | 3 | 1.57% |
| Closing/Settlement Date | 2 | 1.05% |
| Closing Date | 2 | 1.05% |
| Original LTV | 2 | 1.05% |
| Escrow Flag | 2 | 1.05% |
| Loan Product Type | 1 | 0.52% |
| DSCR Fusion | 1 | 0.52% |

---

---

| | | |
|:---|:---|:---|
| Qualifying FICO | 1 | 0.52% |
| Subject Property Type | 1 | 0.52% |
| Borrower 1 SSN | 1 | 0.52% |
| Note Date | 1 | 0.52% |
| ULI | 1 | 0.52% |
| Property City | 1 | 0.52% |
| Loan Amount | 1 | 0.52% |
| **Grand Total** | **191** | **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 | 148 | $56731936.00 | 74.00% |
| Event Grade B | 52 | $17147499.00 | 26.00% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 200 | $73879435.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 151 | 75.50% |
| Event Grade B | 49 | 24.50% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 200 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 83 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 83 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 83 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 114 | 97.44% |
| Event Grade B | 3 | 2.56% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 117 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 200 | 100.00% |
| Event Grade B | 0 | 0.00% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 200 | 100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Findings | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;52 |
| &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;Missing VOM or VOR | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;2 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Payoff Statement Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower Rental Experience Not Within Guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Income 2 Months Income Verified is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Application Profile Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 Personal Bank Statements Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**173** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;10 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;10 |
|  |  | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;6 |
|  |  | &nbsp;&nbsp;Loan does not conform to program guidelines | &nbsp;&nbsp;6 |
|  |  | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;5 |
|  |  | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Rent Loss Coverage Not Sufficient | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Borrower Rental Experience Not Within Guidelines | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Personal Guaranty Agreement Incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Maximum Borrower Exposure Exceeded | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**82** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;37 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;OK HOEPA Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | &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;Missing Power of Attorney | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**78** |

---

---

| | | | |
|:---|:---|:---|:---|
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;65 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**70** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Clients/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Clients review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 164324 |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX XX/XX/XXXX |
| 164324 |  | Loan Amount | $XXXXXX | $XXXXXX | XXX is XXX |
| 164324 |  | Property Type | XXX | XXX | XXX single family with accessory unit |
| 164511 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial 1003. |
| 164511 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI higher due to borrower's income. Income calculation is lower due to deduction and used XXX% for XXX monthly payments. |
| 164271 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 164271 |  | Qualifying Total Debt Income Ratio | XXX | XXX | per debts and income |
| 164335 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 164335 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 164308 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The Initial 1003 confirms the loan Originator signature date of XXX as the app date. |
| 164308 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | The Final CD confirms the XXX of XXX. |
| 164308 |  | Property Type | XXX | XXX | The appraisal confirms the subject property is a XXX PUD. |
| 164308 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit has confirm DTI thru verifying the income and debts which match the XXX |
| 160783 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 160783 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debt calculation |
| 168696 |  | PITIA | XXX | XXX | PITIA is XXX |
| 166861 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 166861 |  | Property Type | XXX | XXX | Verified by the appraisal. |
| 167064 |  | DSCR | XXX | XXX | Client removed Unit XXX rent: XXX total rent (Unit XXX lease XXX + Unit XXX lease XXX + Unit XXX listing $XXX) / XXX PITIA = XX/XX/XXXX DSCR |
| 167065 |  | Loan Purpose | XXX | XXX | XXX cash to borrower is less than XXX or XXX% of XXX. Rest of loan proceeds are paying off mortgages on subject property. Per guides, this is a Rate Term Refinance |
| 165814 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 165814 |  | Credit QM/ATR Designation | XXX | XXX | Per docs |
| 167066 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on initial 1003 in file. |
| 167066 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed, DTI increased at audit due to exclusion of instant pmts on bank Statements, not excluded at origination. |
| 168698 |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 165815 |  | DSCR | XXX | XXX | XXX Lease rent / XXX PITIA = XX/XX/XXXX DSCR |
| 165815 |  | PITIA | XXX | XXX | PITIA is XXX |
| 167316 |  | As-Is Value | $XXX | $XXX | Per appraisal, XXX is XXX but qualifying on the appraisal review value of XXX |
| 165822 |  | PITIA | XXX | XXX | PITIA is XXX |
| 165822 |  | Property Type | XXX | XXX | Property is semi XXX townhouse |
| 165824 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 167318 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the initial 1003 |
| 165825 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX XX/XX/XXXX verified |
| 165826 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Updated per income & liabilities calculations. |
| 165830 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX verified |
| 165830 |  | Loan Product Type | XXX | XXX | XXX Year Fixed verified |
| 165809 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 165809 |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | updated per final CD |
| 165831 |  | Qualifying Total Debt Income Ratio | XXX | XXX | updated per liabilities and income - XXX difference in the liabilities |
| 167072 |  | P&I | XXX | XXX | Note reflects P&I of XXX |
| 167074 |  | As-Is Value | $XXX | $XXX | Per appraisal, XXX is XXX |
| 167074 |  | Original LTV | XXX | XXX | LTV is 70.11% |
| 167321 |  | Monthly Taxes | XXX | XXX | XXX includes summer and winter taxes |
| 167321 |  | P&I | XXX | XXX | Per Note, P&I is XXX |
| 167075 |  | DSCR | XXX | XXX | XXX lease rents / XXX PITIA = XX/XX/XXXX DSCR |
| 165804 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003. |
| 165837 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 165837 |  | Credit QM/ATR Designation | XXX | XXX | per docs |
| 165837 |  | Qualifying Total Debt Income Ratio | XXX | XXX | other debt is higher for original underwriter |
| 165839 |  | DSCR | XXX | XXX | XXX Rent / XXX PITIA = XX/XX/XXXX DSCR |
| 165839 |  | PITIA | XXX | XXX | PITIA is XXX |
| 165840 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 167324 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 165844 |  | PITIA | XXX | XXX | PITIA is XXX |
| 167077 |  | PITIA | XXX | XXX | PITIA id XXX |
| 167081 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 167081 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. XXX was paid down prior to close. The Statement is on page XXX |
| 166865 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 166865 |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance due to XXX variance in liabilities. The XXX indicates All Other Payments = XXX The CR indicates a total of XXX - consistent with the liabilities listed on the Final 1003. |
| 167302 |  | PITIA | XXX | XXX | XXX P&I + XXX Taxes + XXX Ins. = XXX PITIA |
| 167084 |  | PITIA | XXX | XXX | PITIA is XXX |
| 167085 |  | PITIA | XXX | XXX | PITIA is XXX |
| 167089 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX/XXX/XXX, Per Initial 1003. |
| 167090 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by application. |
| 166859 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 166859 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations - within tolerance. |
| 168693 |  | PITIA | XXX | XXX | XXX P&I + XXX Ins. + XXX Tax = XXX PITIA |
| 167096 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 166868 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | updated Per Initial 1003 |
| 167097 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 167097 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 167098 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 |
| 166869 |  | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines. |
| 167099 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Inital 1003 |
| 167100 |  | PITIA | XXX | XXX | PITIA is XXX |
| 167332 |  | P&I | XXX | XXX | P&I is XXX |
| 167332 |  | PITIA | XXX | XXX | PITIA is XXX |
| 166870 |  | PITIA | XXX | XXX | PITIA is XXX |
| 168692 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on initial 1003 in file, LO signature date XXX/XXX/XXX. |
| 168692 |  | Credit QM/ATR Designation | XXX | XXX | Confirmed on lender approval, XXXX. |
| 167334 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 167105 |  | P&I | XXX | XXX | Per Note, P&I is XXX |
| 167105 |  | PITIA | XXX | XXX | PITIA is XXX |
| 167336 |  | DSCR | XXX | XXX | XXX Lease Rent/ XXX PITIA = XX/XX/XXXX DSCR |
| 167336 |  | PITIA | XXX | XXX | PITIA is XXX |
| 167311 |  | DSCR | XXX | XXX | Using XXX% of market rent for a total of XXX |
| 167311 |  | Loan Purpose | XXX | XXX | HUD reflects cash to borrower of XXX |
| 167311 |  | PITIA | XXX | XXX | XXX P&I + XXX Tax + XXX Ins. + XXX HOA = XXX PITIA |
| 167111 |  | DSCR | XXX | XXX | XXX market rent / XXX PITIA = XX/XX/XXXX DSCR |
| 167341 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 167115 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | As per audit, XXX is XXX/XXX/XXX. XX/XX/XXXX is not identified in file. |
| 167115 |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI Variance: The lender calculated a DTI of XXX% based on net rental income of XXX from the XXX REO investment properties at XXX XXXX and XXX XXX. However, no income calculation worksheets were provided documenting the income calculations. The Final 1003 identified XXX in Market Rent for XXXXXX (Primary turned Investment) only, with no resulting Net Monthly Rental Income Stated. The Final 1003 also did not State Monthly Rental Income or resulting Net Monthly Rental Income for XXX XXX. The audit calculated a DTI of XXX% utilizing the only confirming documentation provided for the XXX properties. For XXXXXX, the audit used the Market Rent from the XXX ($XXX \* XXX% - XXX PITI = XXX Net Rent). For XXX XXXX, the audit used the rental income from the XXX/XXX executed lease ($XXX \* XXX% - XXX PITI = -$XXX). The guidelines require the XXX most recent bank Statement deposits for the lease payments on this property, however this was not provided; therefore, the audit cannot determine the current rent on the property. |
| 167344 |  | As-Is Value | $XXX | $XXX | Appraisal and Appraisal review reflect XXX of XXX |
| 167344 |  | Original LTV | XXX | XXX | XXX loan amt / XXX qualifying value = 58.75% LTV |
| 167344 |  | PITIA | XXX | XXX | PITIA is XXX |
| 167119 |  | PITIA | XXX | XXX | XXX P&I + XXX Ins. + XXX Tax = XXX PITIA |
| 168706 |  | PITIA | XXX | XXX | XXX P&I + XXX Taxes + XXX Ins. = XXX PITIA |
| 167123 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 167123 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. |
| 167348 |  | P&I | XXX | XXX | P&I is XXX |
| 167126 |  | Credit QM/ATR Designation | XXX | XXX | updated per business purpose |
| 167126 |  | Qualifying Total Debt Income Ratio | XXX | XXX | updated per income and liabilities - The liabilities and income do match lender figures. Income is calculating less than lender qualified income by XXX and total liabilities are less by XXX which causes slight difference in DTI however it still meets the max DTI per guidelines. |
| 167351 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
| 167355 |  | Loan Purpose | XXX | XXX | Cash to borrower of XXX < XXX |
| 167355 |  | PITIA | XXX | XXX | PITIA is XXX |
| 167355 |  | Property Type | XXX | XXX | Appraisal reflect property as a Townhouse |
| 167132 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Inital 1003 |
| 167133 |  | Monthly Taxes | XXX | XXX | XXX Property taxes + XXX City tax = XXX |
| 167133 |  | P&I | XXX | XXX | Per Note P&I is XXX |
| 167145 |  | PITIA | XXX | XXX | PITIA is XXX |
| 167061 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Loan Application. |
| 167061 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audited DTI of XXX% exceeds Guideline DTI of XXX% The subject Credit Report includes a charged off account for XXX The Lender included a payment of XXX however, the payment is $XXX. The DTI increased from XXX% to XXX% which exceeds the maximum of XXX% Per the Lender GL (XXX/XXX/XXX) Payments for open charge-offs or collections are included in the DTI (Subject to program DTI restrictions) If there is no payment, use XXX% of the balance. |
| 167362 |  | DSCR | XXX | XXX | XXX% Market Rent/ XXX PITIA = XX/XX/XXXX DSCR |
| 167363 |  | PITIA | XXX | XXX | PITIA is XXX |
| 167159 |  | PITIA | XXX | XXX | XXX P&I + XXX Taxes + XXX Ins. = XXX PITIA |
| 168708 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified XXX using initial 1003 |
| 168708 |  | Property City | XXX | XXX | Verified XXX using the appraisal and the note |
| 167490 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the Initial 1003, the XXX has been verified. |
| 167492 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified to Initial 1003 |
| 167492 |  | Property Type | XXX | XXX | Per appraisal, the subject is XX/XX/XXXX units. |
| 167425 |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note in file is dated XXX/XXX/XXX. |
| 167425 |  | Property Type | XXX | XXX | XXX in file shows subject is XXX units. |
| 167488 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX Per Initial 1003 is XXX/XXX/XXX. |
| 167489 |  | Property Type | XXX | XXX | Per appraisal, the subject is XX/XX/XXXX units. |
| 167523 |  | Property Type | XXX | XXX | Per the Appraisal, the XXX been verified. |
| 168709 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified XXX using initial 1003 |
| 167307 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 168711 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the initial 1003 |
| 167383 |  | PITIA | XXX | XXX | PITIA is XXX |
| 168717 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 168717 |  | Property Type | XXX | XXX | Per Appraisal |
| 168717 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income on Final 1003 |
| 167385 |  | Monthly Taxes | XXX | XXX | XXX Prop Tax + XXX Winter Tax = XXX Total Tax |
| 167385 |  | P&I | XXX | XXX | Note reflects XXX P&I |
| 168719 |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI per audit review. The credit report indicates a mortgage payment to XXX (possible time share) in the amount of XXX per monthnth. This payment was shown on the Final 1003 but omitted from the XXX Audit included payment, no evidence in file to omit. |
| 167390 |  | Credit QM/ATR Designation | XXX | XXX | XXX, per Loan Approval. |
| 168721 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 168726 |  | Credit QM/ATR Designation | XXX | XXX | XXX, per investment property. |
| 168726 |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% audit DTI. The credit report (pg XXX) indicates the payment for the Borrower's property on XXX XX was XXX as indicated on the Final 1003. There is not a mortgage Statement in file. The updated credit report (pg XXX) indicates the updated payment is XXX This causes the DTI to exceed XXX% |
| 168727 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 168727 |  | Property Value | $XXX | $XXX | Per Appraisal |
| 169533 |  | DSCR Fusion | XXX | XXX | XXX Asset Utilization + XXX Gross Rent / XXX PITIA = XXX Fusion DSCR |
| 168732 |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 168734 |  | DSCR | XXX | XXX | Using XXX% of market rent for a total of XXX |
| 168742 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used self reported in DTI. Audit income lower than lender however matches lender income calculator |
| 168752 |  | PITIA | XXX | XXX | Tape is only reflecting P&I |
| 168757 |  | Qualifying Total Debt Income Ratio | XXX | XXX | True data is correct based on debit shown on credit report |
| 167515 |  | Property Value | $XXX | $XXX | Audited value of XXX is appraised value. Tape data value of XXX is sales price. |
| 167443 |  | Cash out Include Debt Paid at Close | XXX | XXX | Audit confirmed on HUD-XXX the cash out amount is XXX with no payoffs. |
| 167433 |  | Property Value | $XXX | $XXX | Audit value captured from the appraisal. Tape value is the purchase price. |
| 167441 |  | Cash out Include Debt Paid at Close | XXX | XXX | Per settlement Statement, cash to borrower was XXX |
| 167441 |  | Property Attachment Type | XXX | XXX | Per appraisal report, subject property is XXX. |
| 167441 |  | Qualifying LTV | XXX | XXX | Per final XXX LTV was XXX%. System rounded up. |
| 167450 |  | Cash out Include Debt Paid at Close | XXX | XXX | The cash out matches the HUD1 |
| 167450 |  | Property Attachment Type | XXX | XXX | According to the appraisal, this is an XXX property |
| 167465 |  | Cash out Include Debt Paid at Close | XXX | XXX | Per final settlement Statement, cash to borrower was XXX |
| 167465 |  | Qualifying LTV | XXX | XXX | Per final XXX LTV was XXX%. System rounded up to XXX% |
| 167434 |  | Property Attachment Type | XXX | XXX | Audit value on the appraisal reflects semi-XXX/End Unit. Per DG this type of property must be captured as XXX. |
| 167419 |  | Qualifying LTV | XXX | XXX | Audit LTV of 75% matches XXX LTV of 75%. |
| 167404 |  | Property Value | $XXX | $XXX | Audit value is the appraisal value. Tape value is the sales price. |
| 167471 |  | Cash out Include Debt Paid at Close | XXX | XXX | Cash out XXX Per final HUD. |
| 167464 |  | Cash out Include Debt Paid at Close | XXX | XXX | Borrower is paying off a 2nd lien in the amount of XXX that was not used in the original purchase of the loan. Borrower also had to bring XXX cash to close. When subtracting the cash to close from the lien payoff, this equals XXX |
| 167452 |  | Property Value | $XXX | $XXX | Audit value is the appraisal value. The tape value is the sales price. |
| 167431 |  | Property Attachment Type | XXX | XXX | Per appraisal report, subject property is XXX. |
| 167418 |  | Borrower 1 SSN | XXX | XXX | B1SSN per credit report XXX |
| 167418 |  | Cash out Include Debt Paid at Close | XXX | XXX | Cash out per HUD XXX in file is XXX |
| 167473 |  | Cash out Include Debt Paid at Close | XXX | XXX | XXX matches final CD |
| 167412 |  | Cash out Include Debt Paid at Close | XXX | XXX | Final CD confirms borrower received XXX cash out at closing. |
| 167435 |  | Cash out Include Debt Paid at Close | XXX | XXX | Cash out is XXX per settlement Statement page XXX |
| 167462 |  | Cash out Include Debt Paid at Close | XXX | XXX | Exact cash out is XXX per final CD. |
| 167469 |  | Cash out Include Debt Paid at Close | XXX | XXX | XXX cash to borrower, plus XXX payoffs = XXX |
| 167414 |  | Cash out Include Debt Paid at Close | XXX | XXX | Confirmed the C/O of XXX as the settlement Statement |
| 167414 |  | Property Value | $XXX | $XXX | Confirmed the appraised value from the form XXX as XXX however the purchase price from previous was used to qualify at $XXX. |
| 167457 |  | Cash out Include Debt Paid at Close | XXX | XXX | Confirmed the cash out amount of XXX as per the Final CD |
| 167446 |  | Qualifying LTV | XXX | XXX | XXX $XXX/ value XXX = 64.46% LTV |
| 167415 |  | Qualifying LTV | XXX | XXX | Per final XXX LTV was XXX% |
| 167458 |  | ULI | XXX | XXX | ULI Number confirmed with Final 1003. |
| 167391 |  | Property Value | $XXX | $XXX | XXX reflects final appraisal and desk review |
| 167444 |  | Cash out Include Debt Paid at Close | XXX | XXX | Per final CD, cash to borrower was $XXX. Tape data value is unknown. |
| 167444 |  | Qualifying FICO | XXX | XXX | Per credit report, qualifying credit score was XXX Tape data value is unknown. |
| 167394 |  | Cash out Include Debt Paid at Close | XXX | XXX | Per settlement Statement, cash to borrower was XXX |
| 167394 |  | Escrow Flag | XXX | XXX | Per settlement Statement, an escrow account was established. |
| 167447 |  | Cash out Include Debt Paid at Close | XXX | XXX | Cash out includes cash in hand + payoff of HELOC = $ XXX |
| 167447 |  | Escrow Flag | XXX | XXX | Escrows are indiccated per teh HUD XXX in file. |
| 167445 |  | Cash out Include Debt Paid at Close | XXX | XXX | Cash out to borrower is XXX per settlement Statement. |
| 167442 |  | Qualifying LTV | XXX | XXX | The True Data was verified to be accurate with the XXX and a manual calculation. Lender's XXX has XXX%. Tape data value is unknown. |
| 167453 |  | Cash out Include Debt Paid at Close | XXX | XXX | Verified Cash out proceeds are used for reserve |
| 167454 |  | Property Value | $XXX | $XXX | The True Data was verified to be accurate with the appraisal. |
| 167448 |  | Property Attachment Type | XXX | XXX | Per appraisal report, subject property is XXX. |
| 167448 |  | Property Value | $XXX | $XXX | Per appraisal report, subject XXX was XXX |
| 167451 |  | Subject Property Type | XXX | XXX | Per appraisal report, subject property is a PUD with XXX units. |

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## Exhibit 99.5

**Exhibit 99.5 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** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 165761 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 06/13/2025 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164298 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/14/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 08/14/2025 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164298 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164298 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/13/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 164324 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/09/2025 | Resolved | XXXX | Credit | Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | Missing partial satisfaction of mortgage in the amount of XXX listed in Schedule C No. XXX of Title Commitment | XX/XX/XXXX - Please review. | 09/17/2025 | Received | 09/18/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 164511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Acknowledged | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Guidelines require XXX months reserves for > 75% LTV owner occupied transactions. Audited reserves of XXX is less than required reserves of $XXX. Total assets verified XXX minus funds to close XXX = $XXX. Borrower is short XXX in reserves. | Document Uploaded. ; Document Uploaded. | 09/12/2025 | Received lender loan exception for not meeting the min reserve requirement of XXX months. Verified XXX months in reserves. Compensating factors; DTI under XXX%; residual income greater than XXX; Mtg history XXX.; Lender Exception received. Comp factor # XXX DTI under XXX% does not meet the compensating factor as audit DTI is at XXX% audit calculated an income of XXX as large deposit of XXX was not sourced and excluded from income qualification. Condition remains. | 09/16/2025 | 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 | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 164511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Acknowledged | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Guidelines require XXX months reserves for > 75% LTV owner occupied transactions. Audited reserves of XXX months is less than the required reserves of XXX months. | Document Uploaded. ; Document Uploaded. | 09/12/2025 | Received lender loan exception for not meeting the min reserve requirement of XXX months. Verified XXX months in reserves. Compensating factors; DTI under XXX%; residual income greater than XXX; Mtg history XXX.; Lender Exception received. Comp factor # XXX DTI under XXX% does not meet the compensating factor as audit DTI is at XXX% audit calculated an income of XXX as large deposit of XXX was not sourced and excluded from income qualification. Condition remains. | 09/16/2025 | 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 | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 164511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Acknowledged | XXXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Audited reserves of XXX months is less than the required reserves of XXX months. | Document Uploaded. ; Document Uploaded. | 09/12/2025 | Received lender loan exception for not meeting the min reserve requirement of XXX months. Verified XXX months in reserves. Compensating factors; DTI under XXX%; residual income greater than XXX; Mtg history XXX.; Lender Exception received. Comp factor # XXX DTI under XXX% does not meet the compensating factor as audit DTI is at XXX% audit calculated an income of XXX as large deposit of XXX was not sourced and excluded from income qualification. Condition remains. | 09/16/2025 | 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 | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 164511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/30/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 09/02/2025 | 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 | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 164511 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 08/29/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 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 | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 164271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | XXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed was electronically signed on XX/XX/XXXX. | Document Uploaded. | 09/05/2025 | Evidence of eConsent is provided. | 09/06/2025 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/04/2025 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/04/2025 | Resolved | XXXX | Compliance | XXX XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX (XXX), XXX (XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/04/2025 | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/03/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 164335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 10/01/2025 | 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 | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Cured | XXXX | 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 $ 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 the increase of the appraisal fee on the LE dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX does not provide reason for fee increase. | Document Uploaded. | 10/01/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 10/01/2025 | 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 | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164335 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 164308 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The VOR in file is from a private party. The Borrower's credit score is XXX and the LTV is 80%. Only two bank Statements in file appear to have verified rent payments. Per XXX dated XXX, a Private Party VOR is only acceptable at XXX% with a credit score of XXX | Document Uploaded. o proof of rent payments XX/XX/XXXX-XX/XX/XXXX + XX/XX/XXXX+XX/XX/XXXX was paid out of the XXX #XXX + #XXX o proof of rent payments XX/XX/XXXX + XX/XX/XXXX was paid out of the XXX #XXX | 10/08/2025 | Housing History Meets Guideline Requirements. Received XXX months rental payments from XX/XX/XXXX thru XX/XX/XXXX thru bank Statements provided. | 10/09/2025 | 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 | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164308 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | XXXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Per XXX dated XXX, when using a Private VOR to verify housing history, the max LTV is 80% with a score of XXX The Borrower's credit score is XXX below the minimum required. | We have proof of the rent payments documenting the housing history, not just the private VOR so we are good. The XXX min fico is when we are just using the private VOR without documenting the rent payments. uploaded to the other condition. | 10/08/2025 | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX; Received XXX months rental payments from XX/XX/XXXX thru XX/XX/XXXX thru bank Statements provided. FICO is within guideline minimum. | 10/09/2025 | 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 | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164308 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Acknowledged | XXXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. The Borrower's income has been qualified using XXX months bank Statements from multiple accounts. The file contains an LOX addressing XXX NSFs that occurred on one business account. However, one of the personal accounts used to qualify also reflects XXX NSFs within the XXX month period. According to XXX GLs Section XXX, NSF activity that occurs within the last XXX months requires a satisfactory explanation from the borrower. No corresponding LOX has been provided. | Document Uploaded. ; We have proof of the rent payments documenting the housing history, not just the private VOR so we are good. The XXX min fico is when we are just using the private VOR without documenting the rent payments. uploaded to the other condition. | 10/08/2025 | Received lender loan exception approved for not having an LOE regarding the NSFs on the personal account. LOE provided only addressed the NSFs in the business account. Compensating factors; residual income greater than XXX; low payment shock (under XXX%); housing history XXX. | 10/09/2025 | 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 | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164308 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 164308 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 160783 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Cured | XXXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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 or valid COC. The Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit from XXX on the CD dated XX/XX/XXXX to XXX on the CD dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX indicates Lender credit decreased; however, change was not re-disclosed until XX/XX/XXXX. | Document Uploaded. XXX total cure package uploaded between the two cures needed. | 01/16/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 01/17/2026 | 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 58.48% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 58.48% is less than Guideline LTV of 75% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 160783 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Cured | XXXX | 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 the increase of the loan discount points fee on the CD dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX indicates discount points increased; however, change was not re-disclosed until XX/XX/XXXX. | Document Uploaded. XXX total cure package uploaded between the two cures needed. | 01/16/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 01/17/2026 | 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 58.48% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 58.48% is less than Guideline LTV of 75% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 160783 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 01/17/2026 | 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 58.48% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 58.48% is less than Guideline LTV of 75% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 160783 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.48% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 58.48% is less than Guideline LTV of 75% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 160783 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.48% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 58.48% is less than Guideline LTV of 75% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 168696 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/17/2025 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 166861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Please advise what is needed here. | 01/12/2026 |  |  | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 166861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Please advise what is needed here. | 01/12/2026 |  |  | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 166861 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | Please advise what is needed here. | 01/12/2026 | HPML compliant | 01/12/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/26/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167064 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/24/2025 | Acknowledged | XXXX | Credit | Excessive LTV Ratio | 75% LTV > 60% LTV Limit for a Vacant XXX. Loan file does not provide supporting documenation for renovations within the past XXX days, or evidence of rental listing for Subject Property XXX | XXX: Exception Approval Uploaded | 12/11/2025 | XXX: Received Exception Approval | 12/11/2025 | DSCR > XXX FICO XXX points above XXX C/O covers > XXX months of reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 167065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/25/2025 | Acknowledged | XXXX | Credit | Insufficient Assets to Close | XXX assets < XXX minimum required liquidity for reserves. Please provide additional assets. | XXX: Exception uploaded | 01/06/2026 | XXX: Exception received |  | Consolidating 1st & 2nd with XXX savings, DSCR >XXX, Mtg History verified XXX on all accts, FICO XXX pts above XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 165814 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| 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 46.25% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 46.25% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165814 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.25% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 46.25% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165814 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| 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 46.25% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 46.25% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI increased due to exclusion of reoccurring deposits from "Instant pmt from XXX" as unable to determine if this is transfers or business income. Without these deposits and using the debts reflected on the XXX the DTI exceeds allowable per guidelines. | Document Uploaded. Per u/w the liabilities were duplicated. There is an updated XXX. | 12/17/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Client sent updated XXX Pending review. | 12/18/2025 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 167066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 167066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 167315 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/15/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168698 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/21/2026 | Resolved | XXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX | XXX: Conveyance Deed uploaded | 01/21/2026 | XXX: Conveyance Deed received | 01/21/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 165815 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/12/2025 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167316 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/19/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 165819 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/18/2025 | Resolved | XXXX | Credit | Title Insurance Missing or Defective | Provided title insurance is missing title insurance amount and lender's mortgagee clause. Please provide a title supplement. | XXX: Supplemental Title Report | 12/22/2025 | XXX: Received supplemental title report | 12/22/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 165822 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/19/2025 | Resolved | XXXX | Property | Appraisal Review - Missing | Missing Appraisal Review for Subject Property: XXX | XXX: Appraisal Review | 12/22/2025 | XXX: Received Appraisal Review | 12/22/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 167317 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/16/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 165824 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 12/21/2025 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 165824 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165824 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167318 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 90% exceeds Guideline CLTV of 85% Per the Guidelines effective XX/XX/XXXX, max LTV for a XXX FICO is XXX% | Document Uploaded. | 02/04/2026 | Audited CLTV of 90% is less than or equal to Guideline CLTV of 90%; Exception provided allowing 5% LTV increase. ; Audited CLTV of 90% exceeds Guideline CLTV of 85% Per the Guidelines effective XX/XX/XXXX, max LTV for a XXX FICO is XXX% | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 167318 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | XXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 90% exceeds Guideline HCLTV of 85% Per the Guidelines effective XX/XX/XXXX, max LTV for a XXX FICO is XXX% | Document Uploaded. | 02/04/2026 | Exception provided allowing 5% LTV increase.; Audited HLTV of 90% is less than or equal to Guideline HCLTV of 90%; Audited HLTV of 90% exceeds Guideline HCLTV of 85% Per the Guidelines effective XX/XX/XXXX, max LTV for a XXX FICO is XXX% | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 167318 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 90% exceeds Guideline LTV of 85% Per the Guidelines effective XX/XX/XXXX, max LTV for a XXX FICO is XXX% | Document Uploaded. | 02/04/2026 | Exception provided allowing 5% LTV increase.; Audited LTV of 90% is less than or equal to Guideline LTV of 90%; Audited LTV of 90% exceeds Guideline LTV of 85% Per the Guidelines effective XX/XX/XXXX, max LTV for a XXX FICO is XXX% | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 167318 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2026 | Resolved | XXXX | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | HPML compliant | 02/02/2026 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 167318 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/29/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, 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 with established escrows and appraisal requirements met. Exception downgraded. |  |  | HPML compliant | 02/02/2026 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 167318 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 165825 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXXX | Compliance | XXX Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test. (XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 12/11/2025 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 165825 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 12/11/2025 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 165825 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 165825 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165826 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | XXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide lease agreement or other verification document to support the monthly rental income showing on Final 1003 of XXX for the property at XXX.. | Document Uploaded. | 12/30/2025 | Client provided Appraisal with XXX with estimated Monthly Market rent of XXX Updated XXX and Updated 1003. File was updated and passes Guidelines. Cleared.; Client provided Appraisal with XXX with estimated Monthly Market rent of XXX This was updated in file. | 12/31/2025 | 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 | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 165826 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | XXXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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 or valid COC. The Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit to XXX on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | 12/26/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 12/26/2025 | 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 | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 165826 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | XXXX | 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 the addition of the discount points fee on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | 12/26/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 12/26/2025 | 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 | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 165826 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 165828 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/10/2025 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 165830 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165830 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165809 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/24/2025 | Resolved | XXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide property tax verification for both REO properties to support lender figure on the Final 1003. The mortgage Statements do not show them to be escrowed. | Document Uploaded. property profiles XXX for taxes.. TI moves slightly, updated 1003 and XXX as well. | 01/05/2026 | Statements provided. | 01/05/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 165809 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/24/2025 | Resolved | XXXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Please provide policy that has the correct effective date to cover the closing/disbursement date. | Document Uploaded. XXX is final settlement Statement that you can see the loan did not fund until XX/XX/XXXX, so our HOI effective date is fine. | 01/02/2026 | Client provided updated Settlement Statement reflect the Settlement date of XX/XX/XXXX and Disbursement date of XX/XX/XXXX. Cleared.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 01/05/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 165809 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/24/2025 | Resolved | XXXX | Compliance | Initial Closing Disclosure Delivery Date Test | 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:"XXX 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. Provide the ICD and evidence it was received a minimum of XXX business days prior to consummation XX/XX/XXXX. | Document Uploaded. cd XXX initial is XX/XX/XXXX. | 01/02/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 01/05/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 165809 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/26/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 167319 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/20/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167320 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/03/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168700 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/09/2025 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 166863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 165831 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 12/17/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165831 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167071 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167072 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167074 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Acknowledged | XXXX | Credit | Excessive LTV Ratio | XXX% > Max LTV of 70.00%. XXX / XXX appraised value = XXX% | XXX: Exception approval uploaded | 01/13/2026 | XXX: Received Exception Approval | 01/13/2026 | DSCR > XXX C/O covers more than XXX months of reserves, Experienced Investor, Clean mortgage history, verifiex XXX on all mtgs B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 167321 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/02/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 165804 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 55.56% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165804 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 55.56% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165804 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXXX | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.56% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 55.56% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165837 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 12/24/2025 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 165837 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 165837 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 165839 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/22/2025 | Resolved | XXXX | Credit | Payoff Statement Missing or Defective | Preliminary Title Report item XXX reflects a Deed of Trust in the amount of XXX and was not reflected on the Settlement Statement. Please provide a Payoff Statement | XXX: Title supplement that confirms item XXX will be removed | 12/31/2025 | XXX: Received supplemental confirmation | 12/31/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 165840 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXXX | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 01/02/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 165840 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 01/02/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 165840 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 165840 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 168702 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/09/2026 | Resolved | XXXX | Credit | Asset Documentation Missing or Defective | Missing XXX% access letter from XXX, giving XXX full access to the funds in the joint XXX acct #XXX | XXX: XXX Account #XXX only being used to verify mortgage payments | 02/10/2026 | XXX: Rescind | 02/10/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 167324 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/24/2026 | 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167324 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/24/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167324 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/24/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167076 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/28/2026 | Acknowledged | XXXX | Credit | Excessive LTV Ratio | 70.00% LTV >XXX% Max LTV for subject property in declining market. | XXX: Exception Approval Uploaded | 01/29/2026 | XXX: Received Exception Approval | 01/29/2026 | DSCR > XXX Clean credit history, verified XXX on all accts, Experienced investor B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 165844 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/18/2025 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/26/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 166865 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXXX | 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 to the borrower or Valid COC. The Zero tolerance violation is due to the increase of the Discount Points on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | 01/08/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 01/09/2026 | 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. \| XXX is Below the Guideline Maximum - Calculated LTV of 69.31% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 80% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 166865 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 69.31% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 80% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 166865 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Below the Guideline Maximum - Calculated LTV of 69.31% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.31% is less than Guideline CLTV of 80% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 167325 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/20/2026 | Acknowledged | XXXX | Credit | Excessive LTV Ratio | 75% LTV > XXX% limit on a cash out refinance transaction. | XXX: Exception approval uploaded | 01/21/2026 | XXX: Received Exception Approval | 01/21/2026 | > XX/XX/XXXX DSCR, Experienced investor B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 167302 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/29/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167086 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/21/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167088 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Credit | Title Insurance Coverage - Inadequate Coverage | XXX Title Coverage < XXX minimum coverage required. Please provide updated Title Coverage | XXX: Updated title commitment uploaded | 01/14/2026 | XXX: Updated title commitment received | 01/14/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 167089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2026 | Resolved | XXXX | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.95% 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 63.95% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.95% 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 63.95% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.95% 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 63.95% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.95% 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 \| XXX is Below the Guideline Maximum - Calculated LTV of 63.95% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 166857 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/05/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | XXXX | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 01/15/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 01/15/2026 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | XXXX | 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. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 165818 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/24/2025 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 166859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXXX | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure The final CD provided is missing page XXX | Document Uploaded. | 01/15/2026 | TRID: Final Closing Disclosure Provided | 01/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 166859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 166859 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 168693 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/12/2026 | 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. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/12/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 168703 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/17/2026 | Resolved | XXXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: The Homeownership Counseling Disclosure in the file does not show that the borrower was provided the closest XXX and is blank. Please provide documentation that the borrower was provided a complete disclosure. | Document Uploaded. Looks like there was a system glitch. I have reuploaded the disclosure. | 02/20/2026 | Homeownership Counseling Disclosure Is Present or XXX | 02/23/2026 | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 168703 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/22/2026 | Acknowledged | XXXX | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | HOC document provided is dated after consummation This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations 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 homeownership counseling organizations disclosure date is after the XXX 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 homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations 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 XXX for lenders to use in complying with the requirements of this section; or(XXX ata made available by the XXX or XXX 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 §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX 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:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. |  |  | Accepted with current B grading. Acknowledged. | 02/23/2026 | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 168703 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. (Non-QM loan) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 02/22/2026 | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 168703 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/16/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 168703 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/16/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| 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 | B | B A | B A | B A | B A | B A | B A | B A | B A | B A | B A | B |
| 166868 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/07/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 166868 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 166868 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 01/15/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/14/2026 | 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% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 166869 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Resolved | XXXX | Credit | Borrower 1 Personal Bank Statements Missing | Borrower 1 Personal Bank Statements Missing The XXX XXX bank Statement for account #XXX was not provided. Unable to review. | Document Uploaded. | 02/24/2026 | Borrower 1 Personal Bank Statements Provided; All Statements provided including XXX as requested. Resolved. | 02/25/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 166869 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 166869 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/22/2026 | Resolved | XXXX | Compliance | XXX 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 01/26/2026 | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 167099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/22/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 01/26/2026 | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 167099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2026 | Resolved | XXXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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 or valid COC. The Lender credit decrease violation is due to the removal of the Lender credit on the LE dated XX/XX/XXXX without valid COC. There is a COC which confirms the loan was locked and discount points were added; however, the change date is XX/XX/XXXX. Change not re-disclosed within XXX business days. | Document Uploaded. | 01/26/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 01/26/2026 | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 167099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2026 | Resolved | XXXX | 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 is due to the addition of the discount points fee on the LE dated XX/XX/XXXX without valid COC. There is a COC which confirms the addition of the discount points; however, the change date is XX/XX/XXXX. Change not re-disclosed within XXX business days. | Document Uploaded. | 01/26/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 01/26/2026 | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 167099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/22/2026 | Resolved | XXXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 167099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/22/2026 | Resolved | XXXX | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 167330 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/12/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167332 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/23/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 166870 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/14/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168692 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/09/2026 | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 168692 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXXX | 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 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the loan discount points fee from XXX on the CD dated XX/XX/XXXX to XXX on the final CD dated XX/XX/XXXX without valid COC. | Document Uploaded. coc uploaded for review. | 03/06/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 03/09/2026 | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 168692 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | XXXX | Credit | Income 2 Months Income Verified is Missing | Income 2 Months Income Verified is Missing Final 1003 reflects XXX XXX owned with mortgage with XXX, unable to locate mortgage Statement, tax verification, or confirmation if HOA. HOI policy in file. | Document Uploaded. attaching CD from purchase XX/XX/XXXX. This shows payment is escrowed with taxes/insurance for XXX lso attaching a XXX listing to prove no HOA | 03/05/2026 | Income 2 Months Income Verified is Present Or XXX; Evidence provided. | 03/06/2026 | 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 168692 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of 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 | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 167334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/10/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | XXXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | XXXX | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/16/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167336 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/28/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167311 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/16/2026 | Resolved | XXXX | Credit | Title Insurance Coverage - Inadequate Coverage | Title coverage of XXX < XXX minimum required coverage. Please provide an updated title report. | XXX: Title uploaded | 02/17/2026 | XXX: Received Title | 02/17/2026 | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 167311 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/16/2026 | Resolved | XXXX | Credit | Subject Property Lease - Missing or Defective | Missing lease agreement for subject: XXX XXX | XXX: Lease uploaded | 02/17/2026 | XXX: Received Lease | 02/17/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 167108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/19/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Resolved | XXXX | Compliance | XXX Rate Spread Home Loan Test | HPML compliant This loan failed the XXX rate spread home loan test. (XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report hile the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  |  | HPML compliant | 01/28/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 01/28/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167341 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167342 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/06/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2026 | Resolved | XXXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The lender qualified the borrower with an additional monthly escrowed Hazard Insurance fee of $XXX. However, an additional policy is missing. | Document Uploaded. | 01/23/2026 | Evidence provided. | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Resolved | XXXX | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167344 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/03/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/24/2026 | Resolved | XXXX | Credit | Insufficient Assets to Close | XXX Assets < XXX Minimum required liquidity for closing costs and reserves. Please provide additional assets. | XXX: Uploaded assets | 02/25/2026 | XXX: Received assets | 02/25/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 168706 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/05/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/20/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/20/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/20/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167348 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/15/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167126 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167126 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167126 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167351 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167351 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167351 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/29/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167355 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/22/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 01/20/2026 | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Resolved | XXXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Resolved | XXXX | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/30/2026 | Acknowledged | XXXX | Credit | Excessive LTV Ratio | 80% LTV exceeds the max LTV of 75% for a No XXX with a credit score of XXX | XXX: Uploaded Exception Waiver | 02/03/2026 | XXX: Received Exception Waiver | 02/03/2026 | Experienced Investor, > XXX months reserves C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 167136 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/25/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/03/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167138 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/05/2026 | Resolved | XXXX | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX. | XXX: Conveyance Deed | 02/06/2026 | XXX: Received Conveyance Deed | 02/06/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 167058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/21/2026 | Resolved | XXXX | Credit | Entity Documentation - Missing or Defective | Operating Agreement is not signed by the borrower. Please provide an fully executed Operating Agreement for XXX | XXX: Confirmation that Operating Agreement isn't needed | 01/22/2026 | XXX: Received confirmation that Operating Agreement isn't needed | 01/22/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 167146 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/02/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Acknowledged | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) The subject loan is a purchase of a single family home with an LTV of 80%. Per the Lender's Matrix a loan with an LTV greater than XXX% requires three months resereves. The subject is short of the required reserves by $XXX. The remaing money left for reserves is $XXX. | Document Uploaded. | 02/27/2026 | Client Exemption Decision for DTI exceeding XXX% and not meeting minimum reserves. "Exception approved for not meeting the min reserve requirement of XXX months and for DTI exceeding the max allowed of XXX% Verified remaining assets of XXX which covers XX/XX/XXXX months of reserves just shy XXX months and DTI exceeds the max allowed by XXX%. Acknowledged. ; Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) The subject loan is a purchase of a single family home with an LTV of 80%. Per the Lender's Matrix a loan with an LTV greater than XXX% requires three months resereves. The subject is short of the required reserves by $XXX. The remaing money left for reserves is $XXX. | 02/27/2026 | 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 | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Acknowledged | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The subject loan is a purchase of a single family home with an LTV of 80%. Per the Lender's Matrix a loan with an LTV greater than XXX% requires three months resereves. The subject is short of the required reserves by $XXX. | Document Uploaded. | 02/27/2026 | Client Exemption Decision for DTI exceeding XXX% and not meeting minimum reserves. "Exception approved for not meeting the min reserve requirement of XXX months and for DTI exceeding the max allowed of XXX% Verified remaining assets of XXX which covers XX/XX/XXXX months of reserves just shy XXX months and DTI exceeds the max allowed by XXX%. Acknowledged. ; Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The subject loan is a purchase of a single family home with an LTV of 80%. Per the Lender's Matrix a loan with an LTV greater than XXX% requires three months resereves. The subject is short of the required reserves by $XXX. | 02/27/2026 | 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 | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Acknowledged | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The subject Credit Report includes a charged off account for XXX The Lender included a payment of XXX however, the payment is $XXX. The DTI increased from XXX% to XXX% which exceeds the maximum of XXX% Per the Lender GL (XX/XX/XXXX) Payments for open charge-offs or collections are included in the DTI (Subject to program DTI restrictions) If there is no payment, use XXX% of the balance. | Document Uploaded. | 02/27/2026 | Client Exemption Decision for DTI exceeding XXX% and not meeting minimum reserves. "Exception approved for not meeting the min reserve requirement of XXX months and for DTI exceeding the max allowed of XXX% Verified remaining assets of XXX which covers XX/XX/XXXX months of reserves just shy XXX months and DTI exceeds the max allowed by XXX%. Acknowledged. ; Audited DTI of XXX% exceeds Guideline DTI of XXX% The subject Credit Report includes a charged off account for XXX The Lender included a payment of XXX however, the payment is $XXX. The DTI increased from XXX% to XXX% which exceeds the maximum of XXX% Per the Lender GL (XX/XX/XXXX) Payments for open charge-offs or collections are included in the DTI (Subject to program DTI restrictions) If there is no payment, use XXX% of the balance. | 02/27/2026 | 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 | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/09/2026 | 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. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | XXXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167362 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/26/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167363 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/22/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167365 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/04/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/02/2026 | Resolved | XXXX | Credit | Note Missing or Defective | Missing Prepayment Addendum to Note | XXX: Updated Note and XXX | 02/11/2026 | XXX: Received updated Note and XXX reflecting no PPP. | 02/11/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 168708 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Resolved | XXXX | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 168708 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 168708 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | 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% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 168708 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167409 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Acknowledged | XXXX | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX The loan file contained the Appraisal XXX which reflects the rental amount of $XXX; however, the lender used rental amount of XXX |  |  | Lender has provided an exception for the DSCR 07/17/2025 Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B C B D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 167409 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Resolved | XXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file is missing proof of HOA expense for XXX XXX |  |  | ; Document Uploaded. | 07/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167409 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/17/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 06/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167410 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/09/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/13/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 25.22% is less than Guideline LTV of 80% \| 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 25.22% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167410 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/09/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 25.22% is less than Guideline LTV of 80% \| 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 25.22% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167410 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 05/09/2025 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/13/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 25.22% is less than Guideline LTV of 80% \| 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 25.22% is less than Guideline CLTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/22/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167524 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/22/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167491 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167491 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167490 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167490 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/16/2025 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 167492 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | XXXX | Credit | Purchase Contract is Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete Purchase contract XXX of XX/XX/XXXX. Amendment extends XXX to XX/XX/XXXX, however, there is no updated amendment allowing later XXX of XX/XX/XXXX. |  |  | Purchase Contract Doc is complete.; XXX is Purchase but Purchase Contract Doc is Incomplete; Informational, as buyer accepts.; | 01/14/2026 | 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 | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 167492 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | 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 | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 167487 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167487 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | XXXX | Property | Appraisal is Missing | Appraisal is Missing. Missing XXX appraisal |  |  | Appraisal provided, exception resolved. ; Appraisal is Present or is Waived; Document Uploaded. | 10/12/2025 | 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 | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | XXXX | Credit | Flood Certificate Missing | Missing Flood Certificate Missing Flood Certificate |  |  | Flood cert provided, exception resolved. ; Flood Certificate is fully present; Document Uploaded. | 10/12/2025 | 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 | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | XXXX | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Missing Hazard Insurance Policy |  |  | Hazard policy provided, exception resolved ; Hazard Insurance Policy is fully present; Document Uploaded. | 10/12/2025 | 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 | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | XXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing the Third-Party Desk Review or CU Score of XX/XX/XXXX or lower |  |  | TPV provided, exception resolved. ; Third party valuation product provided within tolerance.; Document Uploaded. | 10/12/2025 | 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 | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | XXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Fraud report provided, exception resolved. ; Third Party Fraud Report is provided; Document Uploaded. | 10/12/2025 | 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 | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167425 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | XXXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). |  |  | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Document Uploaded. ; The hazard policy reflects total coverage of XXX which is not sufficient to cover the XXX of XXX Policy does not reflect any extended coverage, and an RCE was not provided. Please provide either a revised policy with increased coverage, or an RCE with an estimate less than or equal to the current coverage amount. | 10/12/2025 | 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 | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167488 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/30/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167488 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/30/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/30/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/30/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167523 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/24/2025 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 60% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 60% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167523 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/24/2025 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 44.9% is less than Guideline LTV of 60% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.9% is less than Guideline CLTV of 60% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 168709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Acknowledged | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Borrower is short XXX for reserves. XXX mos. reserves required plus XXX mos. reserves required for each additional financed property (based on subject property PITIA). Total Reserves required XXX months subject PITIA to be verified XXX=$XXX+$XXX closing cost=$XXX, Assets verified as of XX/XX/XXXX | Document Uploaded. | 03/05/2026 | Client provided exception decision. "Exception approved for not meeting the min reserve requirement. Per program guidelines, XXX months of reserves are required. The borrower currently has XX/XX/XXXX months of verified reserves, which is XXX short of the required amount." Acknowledged. | 03/06/2026 | 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 | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 168709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Acknowledged | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Borrower is short XXX for reserves. XXX mos. reserves required plus XXX mos. reserves required for each additional financed property (based on subject property PITIA). Total Reserves required XXX months subject PITIA to be verified XXX=$XXX+$XXX closing cost=$XXX, Assets verified as of XX/XX/XXXX | Document Uploaded. | 03/05/2026 | Client provided exception decision. "Exception approved for not meeting the min reserve requirement. Per program guidelines, XXX months of reserves are required. The borrower currently has XX/XX/XXXX months of verified reserves, which is XXX short of the required amount." Acknowledged. | 03/06/2026 | 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 | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 168709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/23/2026 | 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 | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 168709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | XXXX | Compliance | XXX XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX XXX higher-priced mortgage loan test. (XXX XXX (XXX), XXX (XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX) hile the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/23/2026 | 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 | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 168709 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 168711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | XXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines require a minimum of XXX monthly bank Statements. For the personal account ending #XXX, the file only contains XXX bank Statements, and is missing the XX/XX/XXXX bank Statement. | Document Uploaded. We used multiple b/c the borrower changed banks (so the one account doesn't have a full XXX months, just XXX – but there were XXX other accounts) | 02/27/2026 | Income and Employment Meet Guidelines; Letter of explanation provided. Borrower opened account therefore on month used to complete XXX. | 03/03/2026 | 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. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 168711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant- Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 02/26/2026 | 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. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 168711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 168711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | XXXX | Compliance | XXX HOEPA Higher-Priced Mortgage Loan Test | HPML compliant- Appraisal requirement met This loan failed the XXX HOEPA higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report hile the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 02/26/2026 | 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. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 167375 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/30/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167383 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/30/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168717 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | XXXX | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. The Preliminary Title Report does not include the amount of coverage. | Document Uploaded. Included documentation for condition FCRE1183; accidentally uploaded the wrong documentation | 02/11/2026 | Title Document is fully Present.; Title and 1003 provided. | 02/11/2026 | 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 | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 168717 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | XXXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The income listed on the XXX is XXX more than the income listed on the Final 1003. | Document Uploaded. | 02/11/2026 | Approval/Underwriting Summary is fully present; 1003 provided. Pending review. | 02/11/2026 | 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 | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 168717 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | XXXX | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/10/2026 | 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 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 168717 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/10/2026 | 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 D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 168717 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/09/2026 | Resolved | XXXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 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 | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167385 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/30/2026 | Resolved | XXXX | Credit | Hazard Insurance Missing or Defective | Missing Hazard Insurance Policy for subject Property located : XXX | XXX: Uploaded Hazard Policy | 02/03/2026 | XXX: Received Hazard Policy | 02/03/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 168719 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | XXXX | 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 to the borrower or Valid COC. The zero-tolerance violation is due to the increase of the broker fee and addition of the discount points on the LE dated XX/XX/XXXX without valid COC. COC with change date of XX/XX/XXXX cannot be applied as re-disclosed more than XXX business days after change date. | Document Uploaded. COC XXX | 02/18/2026 | Valid COC provided; Exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) 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). | 02/19/2026 | 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 | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 168719 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | XXXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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 to the borrower or Valid COC. The Lender Credit violation is due to the decrease of the Lender Credit on the LE dated XX/XX/XXXX without valid COC. COC with change date of XX/XX/XXXX cannot be applied as re-disclosed more than XXX business days after change date. | Document Uploaded. COC XXX | 02/18/2026 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 02/19/2026 | 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 | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 168719 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | XXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 indicates monthly insurance, taxes, association dues, etc payment of XXX for the Borrower's property located at XXX. The mortgage Statement indicates the taxes and insurance are escrowed into the monthly payment of $XXX. Please provide evidence of homeowner's association dues or if the payment was included in error, please provide an updated Final 1003, omitting the XXX payment. | Document Uploaded. New 1003/XXX and XXX. | 02/18/2026 | Updated evidence provided. | 02/19/2026 | 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 | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 168719 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/05/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 167390 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167390 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167390 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/19/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 168720 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/06/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168721 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of % 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 168721 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of % 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 168721 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/06/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of % 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 168726 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | XXXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Please provide an updated Program Information worksheet with the correct Doc Type and the First Lien Matrix Version Date. The Borrower's primary job is as a wage earner, with current paystubs and three years W2's to verify the income. | Document Uploaded. | 03/02/2026 | Approval/Underwriting Summary is fully present | 03/03/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 60% 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 60% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 168726 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Borrower's property located on XXX XXX included a first lien payment of XXX and a tax payment of $XXX. However, an updated credit report indicated the payment increased to XXX As a result, the Borrower's DTI of XXX% exceeds the guideline limit of XXX% | Document Uploaded. | 03/02/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX%; Lender provided updated 1003 and XXX with new income. Resolved, | 03/03/2026 | XXX is Below the Guideline Maximum - Calculated LTV of 60% 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 60% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 168726 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 60% 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 60% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 168726 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | XXX is Below the Guideline Maximum - Calculated LTV of 60% 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 60% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 168727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/09/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 168727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | XXXX | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 168727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 169533 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/05/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168732 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit used XXX less in reantal income for the existing investment property on the Final 1003. The loan file included a payment history of XXX for the HOA on that property, it appears that the Lender did not include the HOA payment. The DTI increased from XXX% to XXX% which exceeds the maximum DTI of XXX%. | Document Uploaded. ; Document Uploaded. | 02/24/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Escrow and 1003 provided. | 02/25/2026 | 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 | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 168732 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | XXXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 168732 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/23/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 168734 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168739 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/24/2026 | Resolved | XXXX | Credit | Title Insurance Missing or Defective | Provided Supplemental Title report includes XXX, but is missing ISAOA clause | XXX: Title uploaded | 03/05/2026 | XXX: Received Title | 03/05/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 168742 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Acknowledged | XXXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Guidelines require a minimum FICO score of XXX for a LTV of 90%. Audited FICO score is XXX | Document Uploaded. exception in file, XXX. | 02/25/2026 | Client exception form provided. Client States, "A 5% LTV exception to allow 90% LTV (maximum standard LTV is 85%) has been approved. The borrower is an existing customer with a strong housing payment history, DTI below XXX% and excellent residual income exceeding XXX per month, demonstrating a strong ability to repay. Describe the Exception Requested: 5% LTV exception request for 90% LTV. Max XXX% allowable with XXX FICO" | 02/26/2026 | 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. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 168742 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | XXXX | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/24/2026 | 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. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 168742 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 02/24/2026 | 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. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 168742 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/20/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 168749 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/26/2026 | Resolved | XXXX | Property | Market Rent - Missing or Defective | Missing XXX for property located at: XXX XXX. Unable to update DSCR | XXX: Uploaded XXX | 02/27/2026 | XXX: Received XXX | 02/27/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 168750 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/27/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168694 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/27/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168751 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/03/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168752 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/27/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168755 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/24/2026 | Resolved | XXXX | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168757 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant |  |  | HPML compliant; This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | 02/26/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 168757 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 168757 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 169519 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | XXXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  |  | HPML compliant | 03/05/2026 | 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 | A | A | A | A | A | A | A | A | A | A | A | A |
| 169519 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 169519 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | XXXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Waived | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% XXX XXX DSCR v13 requires a XXX% reduction in LTV for borrowers who do no meet the experienced borrower requirement | ; ; ; | 09/23/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: XXX) XXX DSCR, XXX) XXX FICO, XXX) no mortgage late payments XXX) appraised value XXX supported by UCDP CU score of XXX and XXX) XXX months in reserves. | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167515 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | XXXX | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Missing the Borrower's investor experience and subject property management intentions. | ; Documentation received in XXX review.; Document Uploaded. ; | 09/19/2025 | Borrower Rental Experience Within Guidelines; Borrower Rental Experience Not Within Guidelines; Borrower intends to self-manage. Related LTV exception for first time investor waived by client for B grade. ; Missing income management intention required per guide | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167443 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Waived | XXXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Guidelines require all loans to have rent loss insurance covering a minimum of XXX months for the subject property. HOI policy in file does not reflect loss insurance coverage as required. No written exception found in file to allow. | ; Please waive for B Grade. Seller does not require rent loss. Discussed with XXX and fine to proceed without for seller. Comp Factors XXX mos PITIA reserves; DSCR: XXX; FICO: XXX; | 12/16/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: XXX mos PITIA reserves; DSCR: XXX; FICO: XXX | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| XXX is Below the Guideline Maximum - Calculated LTV of 31.58% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.58% is less than Guideline CLTV of 75% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167476 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  | XXXX |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 167433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Waived | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The loan file contains XXX Statement for the XXX accounts ending in XXX and XXX Guidelines require XXX months consecutive Statements. Please provide additional, consecutive Statement. | ; ; | 12/30/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: XXX Fico (Min XXX); XX/XX/XXXX mos reserves | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Acknowledged | XXXX | Credit | Loan does not conform to program guidelines | The Note and the mortgage reflect a Prepayment Penalty, which is ineligible per guidelines. Guidelines only allow for a prepayment penalty in the XXX with a borrower structured as a XXX or XXX. The note will need to be re-executed without the the Prepayment addendum and the mortgage will need to be re-executed without the Prepayment Rider. | ; - pricing is being respond to ; Document Uploaded. Please waive for B Grade. Exception Approval XXX.; ; Please escalate this - we are getting it cleared rom Management ; Email sent on XX/XX/XXXX with pricing implications - Please respond and will have review to be cleared. DD to re-open condition.; NA; DCRS loan; we do not need please escalate ; XXX reviewing for possible exception with compliance and executive management. DD to re-open condition.; ; DSCR we do not need; Comment received, in XXX review.; ; This is a dscr loan, we only worry about the subject property and primary. We do not list any other reos associated to the borrower. There were XXX loan that were submitted which is why it shows an alert for additional loan. We also don't ask about inquiries; Comment received, XXX to review.; | 12/30/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: XXX FICO, XXX DSCR; ; Reopened as requested; ; ; ; ; Guidelines only allow for a prepayment penalty in the XXX with a borrower structured as a XXX or XXX. The note will need to be re-executed without the the Prepayment addendum and the mortgage will need to be re-executed without the Prepayment Rider.; Pre payment penalty does not meet guidelines | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | XXXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing The Loan file contains mortgage Statements for XXX XXX that are not disclosed on the final application. Provide final application with all properties and affiliated mortgages disclosed in Section XXX: Real EState section of the final application. | ; ; ; Documentation received in XXX review.; Document Uploaded. 1003; ; Comment received, in XXX review.; This is a dscr loan, we only worry about the subject property and primary. We do not list any other reos associated to the borrower. There were XXX loan that were submitted which is why it shows an alert for additional loan. We also don't ask about inquiries; | 11/20/2025 | The Final 1003 is Present; Missing Final 1003 | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | XXXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Seller provided Fraud Report has uncleared alerts: borrower has additional loan applications on different properties with same lender in the past XXX days; additional loans registered on other properties with MERS not disclosed; potential undisclosed REOs. XXX Fraud Report also identifies these alerts. | ; This is a dscr loan, we only worry about the subject property and primary. We do not list any other reos associated to the borrower. There were XXX loan that were submitted which is why it shows an alert for additional loan. We also don't ask about inquiries; Comment received, XXX to review.; | 11/17/2025 | All Fraud Report Alerts have been cleared or None Exist | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Waived | XXXX | Credit | Missing Letter of Explanation (Credit) | Provide an inquiry LOX regarding the credit inquiry on XXX with XXX and whether or not new debt resulted as required per guidelines. | ; DSCR E42 we do not need this; Comment received, in XXX review.; ; Comment received, XXX to review.; This is a dscr loan, we only worry about the subject property and primary. We do not list any other reos associated to the borrower. There were XXX loan that were submitted which is why it shows an alert for additional loan. We also don't ask about inquiries; | 11/21/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX compensating factors for this purpose: XXX FICO; XX/XX/XXXX Mos PITIA reserves; XXX to review. ; XXX XXX DSCR v13 requires all inquires within XXX days of closing be addressed with an LOE | 11/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Waived | XXXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Per XXX DSCR v13 guidelines, all loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. | ; Please waive for B Grade. Seller does not require rent loss. Reviewed with XXX and fine to move forward without. Comp Factors: 62.67% LTV; XXX mos PITIA reserves; XX/XX/XXXX DSCR; FICO: XXX; | 12/16/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: 62.67% LTV; XXX mos PITIA reserves; XX/XX/XXXX DSCR; FICO: XXX | 12/16/2025 | 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 62.67% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 62.67% is less than Guideline LTV of 75% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Waived | XXXX | Credit | Missing Letter of Explanation (Credit) | Missing LOE regarding credit inquiries. | ; Please waive for B Grade. Seller does not require on DSCR loans. Reviewed with XXX and fine to move forward without. Comp Factors: 62.67% LTV; XXX mos PITIA reserves; XX/XX/XXXX DSCR; FICO: XXX; | 12/16/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: 62.67% LTV; XXX mos PITIA reserves; XX/XX/XXXX DSCR; FICO: XXX | 12/16/2025 | 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 62.67% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 62.67% is less than Guideline LTV of 75% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167450 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Waived | XXXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage | ; | 12/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; XXX FICO; 60.85% LTV; XXX mos PITIA reserves. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167465 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Waived | XXXX | Credit | Personal Guaranty Agreement Incomplete | Personal Guaranty Incomplete. XXX DSCR v13 guidelines require that all loans must have full recourse guaranties by all parties with XXX% or more controlling interest. File does not contain a sign guaranty from XXX. | ; Discussed with team. Please waive for B Grade. Comp Factors: XXX FICO; XXX Most PITIA Reserves.; we do not need please get exception ; | 12/09/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: XXX FICO; XXX Most PITIA Reserves. | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167465 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Waived | XXXX | Credit | Missing Letter of Explanation (Credit) | Inquiries within XXX days of closing were not addressed by the borrower. | ; ; Comment received, in XXX review.; DSCR loan we do not need; | 11/21/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX FICO; XXX Most PITIA Reserves.; XXX XXX DSCR v13 requires all inquires within XXX days of closing be addressed with a written LOE | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167434 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Waived | XXXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent as required per guidelines. | ; ; | 12/30/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; XXX FICO; XXX Mos PITIA Reserves | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167434 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Acknowledged | XXXX | Credit | Loan does not conform to program guidelines | The subject note and the mortgage both reflect a prepayment penalty which is not allowed for the subject property. The XXX only allows a pre-payment penalty for loans closed with a borrower structured as a XXX or XXX as allowed per guidelines. Provide corrected note and re-executed mortgage removing the prepayment rider. | ; Document Uploaded. Please waive for B Grade. XXX exception approval.; Per Review with XXX Compliance - Unable to Make Exception for PPP in XXX outside of guidelines. Please advise how to proceed.; | 12/30/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: XXX FICO, XXX DSCR | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167434 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Waived | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing two consecutive months Statements from XXX accts #XXX and #XXX, and XXX acct #XXX. XX/XX/XXXX Statement from XXX and XX/XX/XXXX Statement provided from XXX Bank. | ; ; | 12/30/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR, XXX FICO, XXX mos reserves. | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167434 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | XXXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Provide Lender fraud report with all high alerts cleared. High alert States the borrower has additional loan applications on different properties with same institution in the past XXX days. Provide evidence this high alert is cleared. | ; Documentation and comment received, XXX to review.; Document Uploaded. Underwriter reviewed and addressed the LSFM alerts as noted on XXX ; | 11/17/2025 | All Fraud Report Alerts have been cleared or None Exist | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167434 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | XXXX | Credit | Purchase Contract is Missing | XXX is Purchase but Purchase Contract Doc is Missing | ; Documentation received in XXX review.; Document Uploaded. ; | 11/17/2025 | Purchase Contract Doc is not Missing, or is XXX. | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167434 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Waived | XXXX | Credit | Missing Letter of Explanation (Credit) | The credit report dated XXX reflects XXX inquiries in the prior XXX days. Provide executed Inquiry LOX. | ; | 11/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; XXX FICO; XXX Mos PITIA Reserves | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXXX | Credit | Missing Business Entity Formation Document | Subject property was purchased by XXX on XX/XX/XXXX per ATLA Settlement Statement. XXX then transferred property into business name "XXX" on XX/XX/XXXX. By-laws provided for business disclosed borrower's name as the only managing member. Missing documentation / verification of all business partners for "XXX". | ; Documentation received, XXX to review.; Document Uploaded. See XXX annual filing showing XXX as an authorized agent; | 12/01/2025 | Business formation documentation provided. | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167404 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Waived | XXXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. The hazard insurance policy reflected Loss of Use in the amount of XXX The guidelines require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent. The file did not contain a rental lease and the market rent was XXX per month. | ; ; | 12/16/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX FICO; XXX Mos PITIA Reserves. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167404 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Waived | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% Borrower is an inexperienced investor, per guidelines: A Borrower who does not meet the Experienced Borrower definition. LTV must be Reduced by XXX% and Minimum credit score XXX | ; ; | 12/16/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: FICO XXX DSCR XXX months, History of carrying multiple mortgages on credit for at least XXX months | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167404 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Waived | XXXX | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower does not meet the definition of experienced investor as he has not owed XXX or more properties for at least XXX months during the most recent XXX-month period and XXX property must be an income producing property. Additionally, the guidelines require a 5% LTV reduction, which would result in a XXX% max for the subject transaction. The loan was approved with an 80% LTV. | ; ; | 12/16/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: FICO XXX DSCR XXX months, History of carrying multiple mortgages on credit for at least XXX months | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167404 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Resolved | XXXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The fraud report reflects high alerts for potential undisclosed REO and possible alerts for the borrower, title agent, settlement agent and seller. | ; Document Uploaded. Per Seller Address in comments on XXX Re-Uploaded for Review. Pending DD Review.; | 12/16/2025 | All Fraud Report Alerts have been cleared or None Exist | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167404 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/28/2025 | Waived | XXXX | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for the XXX credit inquiries in the past XXX days. | ; | 11/21/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX FICO; XXX Mos PITIA Reserves. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Waived | XXXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 does not disclosure a complete listing of the borrower's real eState. File contains documentation to support ownership of additional REO including XXX XXX. | ; ; Please waive for B Grade. Seller only requires that subject and primary be on 1003. Discussed seller requirement with XXX and fine to move forward without other properties listed. Comp Factors: XXX DSCR; XXX mos PITIA Reserves, XXX FICO; | 12/11/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; XXX mos PITIA Reserves, XXX FICO | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Waived | XXXX | Credit | Missing Letter of Explanation (Credit) | Missing required LOE for all inquiries in the last XXX days. | ; Please waive for B Grade. Seller does not require on DSCR loans. Discussed seller requirement with XXX and fine to move forward without inquiry letter for DSCR loan. Comp Factors: XXX DSCR; XXX mos PITIA Reserves, XXX FICO; | 12/11/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; XXX mos PITIA Reserves, XXX FICO | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167413 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Waived | XXXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | ; Please waive for B Grade. Discussed with XXX and we are fine with this as long as does not exceed XXX% Comp Factors: XXX PITIA reserves; XXX FICO; | 12/11/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: XXX PITIA reserves; XXX FICO | 12/11/2025 | 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 | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167471 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Waived | XXXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Homeowners policy does not include required rental loss coverage | ; ; XXX may consider for post close exception.; | 12/03/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; XXX FICO; 59.21% LTV; XXX mos PITIA Reserves. | 12/03/2025 | 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 59.21% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 59.21% is less than Guideline LTV of 70% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167471 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Waived | XXXX | Credit | Loan does not conform to program guidelines | Subject property is a SFR and is vacant. XXX XXX DSCR requires the property be leased at the time of closing | ; | 12/03/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: XXX) LTV 59.21%, XXX) DSCR > XXX (market rents), XXX) recently renovated, and XXX) FICO XXX | 12/03/2025 | 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 59.21% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 59.21% is less than Guideline LTV of 70% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167471 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Resolved | XXXX | Credit | Application Profile Missing | Missing required borrower contact consent | ; | 11/06/2025 | Client now accepts the loan application for the borrower contact information and consent to contact in lieu of a separate borrower contact consent form. This finding is resolved. | 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 59.21% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 59.21% is less than Guideline LTV of 70% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167464 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Waived | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The XXX DSCR guidelines require XXX months of most recent bank Statements. The file only contained XXX month Statement for the XXX account ending in XXX ending XX/XX/XXXX. | ; Please waive for B Grade. Seller obtains only XXX month Statement to document assets used to qualify. Discussing with team we are fine to move forward with seller as long as at least XXX month bank Statements is documented for accounts used to qualify. Comp Factors: 47.31% LTV; DSCR: XXX FICO: XXX; Guidelines State that only the most recent XXX-day Statement is required; | 12/08/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: 47.31% LTV; DSCR: XXX FICO: XXX | 12/08/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 47.31% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.31% 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 A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167452 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Acknowledged | XXXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX DSCR v13 guidelines require two months of bank Statements to verify assets. Bank Statement provided from XXX #XXX only included the XX/XX/XXXX Statement. Missing XX/XX/XXXX Statement from loan file. | ; DD to waive for a B grade. Comp factors include FICO and lower LTV/CLTV.; Documentation received, XXX to review.; Document Uploaded. ; | 12/15/2025 | Client approved exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO and lower LTV/CLTV.; This is the same document that was provided in the original file. Finding can be waived with two compensating factors | 12/15/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| 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 70% is less than Guideline CLTV of 80% D A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 167452 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXXX | Compliance | Missing Power of Attorney | Missing Power of Attorney and/or POA Does Not Meet Guideline Requirements Borrower XXX is signing on behalf of Borrower 1 as her Attorney-In-Fact. The file did not contain a Power of Attorney letter. | ; Documentation and comment received, XXX to review.; Document Uploaded. Members are allowed to sign on behalf of the XXX not present without a POA. The LLC document is in lieu of that.; | 12/13/2025 | POA Meets Guideline Requirements | 12/15/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| 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 70% is less than Guideline CLTV of 80% D A | D | A D C | D C A | D C A | D C A | D C A | D B A | A B | A B | A B | A B | A |
| 167431 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing payment history for subject property's existing lien XXX acct #XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 11/17/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167396 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Waived | XXXX | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX Borrower is a first time investor, only XXX property owned. Minimum FICO is XXX borrower has XXX middle score. | ; | 12/02/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose60% LTV (max XXX% FTI), DSCR XX/XX/XXXX (Min XXX), XXX months reserves (XXX required for FTI) | 12/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167418 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing the housing history for the primary residence the Fraud report reflect that there was a loan for XXX on XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/02/2025 | Housing History Meets Guideline Requirements | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167418 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Waived | XXXX | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report. | ; | 11/26/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; 61.48% LTV; XXX mos PITIA reserves. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167470 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Waived | XXXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage The guidelines require XXX months of rent loss insurance. The hazard insurance policy does State that Fair Rental Loss is included but it does not list an amount. | ; | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XX/XX/XXXX DSCR; XXX FICO; XXX mos PITIA reserves. | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167473 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  | XXXX |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 167412 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | XXXX | Credit | Missing Lease Agreement | Property is marketed as a short term rental, missing marketing agreement or documentation to support management intention | ; Document Uploaded. XXXX listing XXX; Documentation received, XXX to review.; Hello! Does rent schedule not support short term rental intention? ; ; Documentation received in XXX review.; Document Uploaded. ; | 12/16/2025 | ; ; Property is marketed as a short term rental, missing marketing agreement or documentation to support management intention | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167412 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | XXXX | Credit | Missing Business Entity Formation Document | Missing required Business entity formation documentation for XXX. An exception was granted with requirement that transaction be handled as first time investor (XXX months reserves, Max LTV 70%). Compensating factors used by lender include: mortgage history and DSCR score of XXX | ; Documentation received in XXX review.; Document Uploaded. ; | 11/25/2025 |  | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167435 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Acknowledged | XXXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Declaration page for HOI references Fair Rental Value coverage, but does not specify coverage amounts | ; Please waive for B Grade. Seller does not require rent loss coverage in their guides. Discussed with XXX on other loans and find to proceed without rent loss. Comp Factors: DSCR: XXX; FICO: XXX; 55.94% LTV; XXX mos PITIA Reserves; Dec page States (See Policy) but no details of coverage provided.; | 12/22/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: DSCR: XXX; FICO: XXX; 55.94% LTV; XXX mos PITIA Reserves | 12/22/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 55.94% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.94% 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 D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167462 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Waived | XXXX | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Insurance referenced Loss of Rents insurance as "actual Loss". This could result in less than the XXX months minimum required by guidelines. | ; Please waive for B Grade. Seller does not obtain rent loss and when discussed with team we are fine to move forward without for seller. Comp Factors: XXX mos PITIA reserves. XX/XX/XXXX DSCR; FICO: XXX; | 12/08/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX mos PITIA reserves. XX/XX/XXXX DSCR; FICO: XXX | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167469 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Waived | XXXX | Credit | Loan does not conform to program guidelines | XXX XXX DSCR v13 requires the subject property be owned for XXX months or greater for cash out transactions. The subject was deeded to Borrower from family trust on XX/XX/XXXX. UW summary States an exception that no waiting period is necessary if property acquired through an inheritance. There is no Lender-Approved exception in file. | ; No Exception Request was made with XXX for finding.; | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: DSCR XXX FICO XXX Reserves, and LTV 64.29%. | 12/05/2025 | 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 64.29% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 64.29% is less than Guideline LTV of 75% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 70% Per XXX DSCR v13 guidelines, First Time Investor allowed with XXX minimum FICO, XXX months reserves, and XXX% reduction in LTV. Management intentions not found in file. For borrower to self-manage, max LTV is 70%. Audit LTV of 80% exceeds guidelines for first time investor who intends to self-manage. | ; ; LTV meets Originators guidelines. Waive to grade B with compensating factors. XXX) XX/XX/XXXX DSCR, XXX) XXX FICO, XXX) borrower has owned primary for XXX years; ; ; | 12/15/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose XXX) XX/XX/XXXX DSCR, XXX) XXX FICO, XXX) Owned primary XXX years; No additional documentation provided. ; No documents provided | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | XXXX | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Per XXX DSCR v13, IRA accounts XXX% of funds are eligible. This resulted in total available assets of $XXX. Borrower was required to bring $XXX cash to close per final CD. Borrower is short to close. XXX | ; Meets Originator guidelines, waive to grade B with compensating factors - XXX) XX/XX/XXXX DSCR, XXX) XXX FICO, XXX) borrower has owned primary for XXX years; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; | 12/15/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XX/XX/XXXX DSCR, XXX) XXX FICO, XXX) borrower has owned primary for XXX years; XXX XXX DSCR v13 requires Retirement Accounts (XXX(k), IRAs etc) percentage of eligibility usage is XXX% and requires two full months of most recent Statements | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per XXX DSCR v13, IRA accounts XXX% of funds are eligible. Lender used higher amount resulting in shortage of reserves and funds to close. | ; Meets Originator guidelines, waive to grade B with compensating factors - XXX) XX/XX/XXXX DSCR, XXX) XXX FICO, XXX) borrower has owned primary for XXX years; Documentation and comment received, XXX to review.; Document Uploaded. is there a Statement / finicity missing for review ; ; ; ; ; | 12/15/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX) XX/XX/XXXX DSCR, XXX) XXX FICO, XXX) borrower has owned primary for XXX years; XXX XXX DSCR v13 requires Retirement Accounts (XXX(k), IRAs etc) percentage of eligibility usage is XXX% and requires two full months of most recent Statements | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | XXXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% | ; ; IPCs meet Originator guidelines. Waive to grade B with compensating factors. XXX) XX/XX/XXXX DSCR, XXX) XXX FICO, XXX) borrower has owned primary for XXX years; ; ; | 12/15/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose XXX) XX/XX/XXXX DSCR, XXX) XXX FICO, XXX) Owned primary XXX years; No additional documentation provided. ; No documents provided | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Per XXX DSCR v13, First Time Investor allowed with XXX minimum FICO, max LTV 70%, XXX months reserves XXX (XXX x $XXX). Only XXX% of IRA account is eligible. Total available assets XXX - $XXX cash to close per final CD = XXX This results in no reserves being available as required per guidelines. | ; ; Reserves meet Originator guidelines. XXX% of IRA can be used for reserves. Waive to grade B with compensating factors. XXX) XX/XX/XXXX DSCR, XXX) XXX FICO, XXX) borrower has owned primary for XXX years; ; ; | 12/15/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose XXX) XX/XX/XXXX DSCR, XXX) XXX FICO, XXX) Owned primary XXX years; No additional documentation provided. ; No documents provided | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | XXXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Per XXX DSCR v13 guidelines, all loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. | ; Document Uploaded. included with initial upload and covers more than required - see highlighted area ; Documentation and comment received, XXX to review.; ; ; ; | 12/12/2025 | Rent Loss Coverage Present | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167439 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | XXXX | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Missing XXX months bank Statements as required per guidelines. One month (XX/XX/XXXX - XX/XX/XXXX) was provided for XXX #XXX and XXX #XXX. Missing XX/XX/XXXX Statement for both. | ; Waive exception to grade B, meets Originator guidelines. XXX) XX/XX/XXXX DSCR, XXX) XXX FICO, XXX) Owned primary XXX years; ; ; | 12/03/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose XXX) XX/XX/XXXX DSCR, XXX) XXX FICO, XXX) Owned primary XXX years; No additional documentation provided. ; No documents provided | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167438 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | XXXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The Third Party Valuation provided was not for this loan. | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; ; | 12/15/2025 | Third party valuation product provided within tolerance.; Provided CDA is for a different property (XXX XXX ; This is the incorrect CDA for this subject property | 12/15/2025 | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 167414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  | XXXX |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 167457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Mortgage Statement was not provided for investment property XXX. Q in the amount of XXX with fairway as reflected on the Final 1003 and XXX | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/16/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 12/16/2025 | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Commitment with coverage amount of XXX was not provided, as XXX is insufficient. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/13/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 12/16/2025 | D A B | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | XXXX | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines XXX DSCR GLs V13 do not allow First Time Homebuyers (or first time obtaining a mortgage). The Final 1003 and Lender's Loan Recap indicate the borrower is not a first time homebuyer, owning his primary residence since XXX. However, there is no documentation in file supporting the Borrower's ownership of his primary home. Additionally, the notes State he owns the primary property "free and clear" and his credit report shows no current or past mortgage history. If the subject mortgage is the borrower's first time obtaining a mortgage, the loan is ineligible. | ; Please clear this condition on an exception basis for B grade. Borr owns primary XXX with no primary housing history. Additionally, borr is a FTI who will self-manage the property which requires XXX% max LTV. Comp Factors: - DSCR XXX - FICO XXX - Primary owned XXX - Reserves ; ; Documentation received, XXX to review.; Document Uploaded. ; | 12/10/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: DSCR XXX - FICO XXX - Primary owned XXX - Reserves; Per XXX DSCR Guidelines, First time homebuyers (or first time obtaining a mortgage) are not permitted for first time investors. Borrower would fall under the first time obtaining mortgage since current home is owned free and clear. | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The file contains verification for XXX bank accounts owned by the Borrower. Two of these accounts (XXX #XXX & #XXX) are only verified using one month bank Statement. XXX DSCR GLs V13 require XXX months bank Statements. | ; ; | 12/10/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; XXX FICO; XXX mos PITIA reserves. | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 70% The Borrower is a First Time Investor who is self-managing the subject property. XXX DSCR GLs V13 require a maximum LTV of 70% for this classification of borrower. | ; Please clear this condition on an exception basis for B grade. Borr owns primary XXX with no primary housing history. Additionally, borr is a FTI who will self-manage the property which requires XXX% max LTV. Comp Factors: - DSCR XXX - FICO XXX - Primary owned XXX - Reserves ; | 12/10/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: DSCR XXX - FICO XXX - Primary owned XXX - Reserves | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167459 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | XXXX | Credit | Missing Letter of Explanation (Credit) | The credit report dated XXX does not show any inquiries in last XXX days. There is an unexecuted LOX in file stating the borrower did not have other undisclosed debt obligations. However, the Borrower's bank Statements used to verify the EMD for the subject purchase also reflect a XXX wire withdrawal to the same title company on XXX and another one on XXX for $XXX. A letter of explanation is required to confirm no additional mortgage debt is being incurred. | ; Please waive for B Grade. Seller does not obtain for DSCR loans. Team discussed and fine to move forward without. Comp Factors: XXX Mos PITIA Reserves. XXX DSCR; FICO: XXX; LOX not required on DSCR loan. Please waive. ; | 12/05/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX Mos PITIA Reserves. XXX DSCR; FICO: XXX | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Waived | XXXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX DSCR guidelines require for XXX months bank Statements for asset documentation. Bank Statement from XXX #XXX provided dated XX/XX/XXXX. Missing Statement from XX/XX/XXXX. | ; Please waive for B Grade. Seller only requires XXX month asset Statement to verify assets. Reviewed with XXX and fine move forward as long as XXX month bank Statement is provided for accounts used to qualify. Comp Factors: XXX FICO; 64.46% LTV; XX/XX/XXXX DSCR; XXX mos PITIA Reserves; | 12/15/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: XXX FICO; 64.46% LTV; XX/XX/XXXX DSCR; XXX mos PITIA Reserves | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Waived | XXXX | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report. | ; Please waive for B Grade. Seller does not require on DSCR Loans. Reviewed with XXX and fine move forward without inquiry letter. Comp Factors: XXX FICO; 64.46% LTV; XX/XX/XXXX DSCR; XXX mos PITIA Reserves; | 12/15/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: XXX FICO; 64.46% LTV; XX/XX/XXXX DSCR; XXX mos PITIA Reserves | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Waived | XXXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 does not list all of the real eState owned by the borrower. | ; Please waive for B Grade. Seller only requires subject property and primary to be disclosed on 1003. Reviewed with XXX and fine move forward without all REO on 1003. Comp Factors: XXX FICO; 64.46% LTV; XX/XX/XXXX DSCR; XXX mos PITIA Reserves; | 12/15/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: XXX FICO; 64.46% LTV; XX/XX/XXXX DSCR; XXX mos PITIA Reserves | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167461 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Waived | XXXX | Credit | Missing Letter of Explanation (Credit) | Missing LOE regarding credit inquiries. | ; Please waive for B Grade. Seller does not obtain for DSCR. Discussed with XXX and fine to proceed without. Comp Factors: XXX DSCR; XXX FICO; 37.5% LTV; | 12/09/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; XXX FICO; 37.5% LTV | 12/09/2025 | 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 37.5% is less than Guideline CLTV of 70% \| XXX is Below the Guideline Maximum - Calculated LTV of 37.5% is less than Guideline LTV of 70% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167411 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Acknowledged | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX DSCR v13 guidelines require two months of bank Statements to verify assets. Bank Statement provided from XXX #XXX dated XXX. Missing XXX Statement from loan file. Additionally, EMD has not been verified as cleared, so audit has added bank account #XXX verified with one bank Statement from XXX dated XXX. File is missing XXX Statement. | ; ; ; Comp factors in original request. Comp Factors: XXX DSCR; FICO: XXX; Please waive for B Grade. Seller Guides only require XXX month reserves. When discussed with team fine to move forward with at least XXX month Statement documented for assets used to qualify.; | 12/14/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: XXX DSCR; FICO: XXX; Please provide at least XXX compensating factors in order to waive condition. | 12/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167411 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Although A full Final 1003 is not always required for a DSCR loan, depth of exposure and experience is required. Neither of the Final 1003s provided a full picture of the Borrowers' REO. The primary residence is listed on the F1003 with no mortgages which is incorrect, and the Borrowers own XXX additional investment properties that reflect on their credit report and on mortgage Statements provided which are not even referenced on the F1003. Additionally, none of the borrowers' credit accounts are listed to confirm the borrowers' credit profile is sufficient. | ; Liabilities will need added at minimum from credit report. Please update. DD to re-open condition; This is DSCR loan, liabilities are not required to be added to 1003. Credit report is in file. ; Nothing was disclosed on 1003 including in liabilities. Understand TLS guides only need Subject and Primary Disclosed on DSCR loans but must have other liabilities disclosed as well from Credit Report. Please have updated.; | 12/14/2025 | The Final 1003 is Present | 12/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167415 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Waived | XXXX | Credit | Missing Letter of Explanation (Credit) | Missing LOE regarding credit inquiries. | ; | 12/01/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX FICO; No Mortgage Lates; Experienced Investor. | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167458 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Waived | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing XXX months of bank Statements for all assets provided. XXX is missing Statement ending XX/XX/XXXX. XXX is missing Statement ending XX/XX/XXXX. XXX is missing Statement ending XX/XX/XXXX. XXX is missing Statement ending XX/XX/XXXX. | ; Please waive for B Grade. Seller Guides only require XXX month bank Statement to document assets. Discussed with XXX and fine to proceed as long as XXX month bank Statement is provided to document assets used to qualify. Comp Factors: XXX DSCR; XXX FICO; XX/XX/XXXX mos PITIA reserves; | 12/11/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; XXX FICO; XX/XX/XXXX mos PITIA reserves | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167458 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Waived | XXXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 section XXX does not reflect additional mortgaged properties XXX and XXX XXX owned by the borrower per credit report in file. | ; Please waive for B Grade. Seller Guides only require borrowers primary residence and subject to be on 1003. Discussed with XXX and fine to proceed without adding. Comp Factors: XXX DSCR; XXX FICO; XX/XX/XXXX mos PITIA reserves; | 12/11/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; XXX FICO; XX/XX/XXXX mos PITIA reserves | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXXX | Credit | Missing Business Entity Formation Document | Borrower is a business but loan file is missing entity documentations required by guidelines | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/11/2025 |  | 12/11/2025 | 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 70% is less than Guideline CLTV of 80% \| XXX is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXXX | Credit | Missing Lease Agreement | Missing a copy of the lease agreement for the subject property, Property is currently tenant occupied. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. underwriter memo; ; Documentation received, XXX to review.; Document Uploaded. ; | 12/16/2025 | ; While attorney States no lease, appraisal shows otherwise. Documentation must be consistent in the file. Update appraisal needed showing vacant or can be waived with compensating factors. ; Email provided States no leases currently active for condo, however appraisal shows property as tenant occupied. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167455 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Waived | XXXX | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report. | ; DD to Waive for B Grade. Comp Factors: XXX DSCR; XXX mos PITIA; XXX FICO.; Documentation received, XXX to review.; Document Uploaded. underwriter memo; XXX may consider exception for missing inquiry letter.; Documentation received, XXX to review.; Document Uploaded. ; | 12/15/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; XXX mos PITIA; XXX FICO.; XXX Guidelines require a LOX for all credit inquiries within the last XXX days. This may be waived with compensating factors; XXX Guidelines require a LOX for all credit inquiries within the last XXX days. This may be waived with compensating factors | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167468 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  | XXXX |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 167417 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | XXXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance policy provided does not include any indication of extended or guaranteed coverage. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 12/08/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167417 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Waived | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX acct #XXX and XXX accts #XXX & #XXX used to qualify are all held jointly with spouse. Spouse is not signing mortgage as non-borrowing spouse, so XXX% access letter for these accounts is required but not provided. | ; | 12/08/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following two XXX compensating factors for this purpose: XXX) Qualifying FICO is greater than the guideline minimum and XXX) No credit derog. | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167472 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Waived | XXXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Per XXX DSCR v13 guidelines, all loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. | ; | 12/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XX/XX/XXXX DSCR; XXX FICO; XX/XX/XXXX mos PITIA reserves. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167472 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Waived | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements | ; | 12/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XX/XX/XXXX DSCR; XXX FICO; XX/XX/XXXX mos PITIA reserves.; Missing August XXX Statements for XXX acct #XXX and #XXX. Missing additional Statement for Fidelity retirement account. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167444 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  | XXXX |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 167394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2025 | Resolved | XXXX | Credit | Missing Lease Agreement | The subject property is tenant occupied, but a copy of the lease is not contained in the loan file. Please provide. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/11/2025 |  | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167394 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Waived | XXXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Per XXX DSCR v13 guidelines, all loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. | ; ; Please waive for B Grade. Seller does not require rent loss. Discussed with team and we are fine to waive rent loss for seller. Comp Factors DSCR: XXX; FICO: XXX; XXX mos PITIA reserves.; | 12/11/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: DSCR: XXX; FICO: XXX; XXX mos PITIA reserves. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167447 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2025 | Resolved | XXXX | Credit | Property Title Issue | Property Title Issue Missing Proof that the XXX Heloc has been paid and closed to future draws. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/12/2025 | Property Title Issue Resolved | 12/12/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 52.38% 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 52.38% is less than Guideline CLTV of 70% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167447 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Waived | XXXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 does not list all borrower owned real eState | ; ; Please waive for B Grade. Seller requires only subject and primary residence on 1003. Discussed with team and fine to move forward without all REO listed. Comp Factors: 52.38% LTV; XXX DSCR; FICO: XXX; XXX Mos PITIA reserves; | 12/12/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: 52.38% LTV; XXX DSCR; FICO: XXX; XXX Mos PITIA reserves | 12/12/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 52.38% 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 52.38% is less than Guideline CLTV of 70% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167445 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Waived | XXXX | Credit | Loan does not conform to program guidelines | Client's delivery email indicates a loan exception was approved. The exception documentation is not contained in the loan file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 12/15/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: LTV 67.111%, DSCR of XXX Housing history. | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167405 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Acknowledged | XXXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 in file shows the Borrower owns no real eState. Although the DSCR program does not calculate DTI, it is an important component of the program to present the Borrower's real eState investment experience and depth. The initial 1003s reflect the Borrower's true REO portfolio which also clears the alerts on the fraud reports. Lender to provide complete F1003 including all real eState owned in order to confirm the Borrower is an Experienced Investor. | ; Please waive for B Grade. Seller only discloses subject property and primary on 1003. Have reviewed with XXX and fine to move forward without all REO listed on 1003. Comp Factors XXX DSCR; 47.02% LTV, XXX mos PITIA reserves.; | 12/12/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XXX DSCR; 47.02% LTV, XXX mos PITIA reserves. | 12/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.02% is less than Guideline CLTV of 75% \| XXX is Below the Guideline Maximum - Calculated LTV of 47.02% is less than Guideline LTV of 75% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167442 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Acknowledged | XXXX | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% Per guidelines, the maximum allowable interested party contribution is XXX% or XXX The seller credit was XXX which equates to XXX%. The seller credit is higher than the allowable credit by XXX | ; Please waive for B Grade. Seller allows up to XXX% seller contribution. Reviewed with XXX and fine to move forward as long as seller contribution does not exceed XXX% Comp Factors: XXX Most PITIA reserves; 47.67% LTV; XXX DSCR; FICO: XXX; | 12/16/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: XXX Most PITIA reserves; 47.67% LTV; XXX DSCR; FICO: XXX | 12/16/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 47.67% is less than Guideline LTV of 80% \| 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 47.67% is less than Guideline CLTV of 80% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167442 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Acknowledged | XXXX | Credit | Missing Letter of Explanation (Credit) | Unable to locate a sign LOE for credit inquiries. | ; Please waive for B Grade. Seller does not obtain inquiry letter on DSCR loans. Reviewed with XXX and fine to move forward without for seller. Comp Factors: XXX Most PITIA reserves; 47.67% LTV; XXX DSCR; FICO: XXX; | 12/16/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following four XXX compensating factors for this purpose: XXX Most PITIA reserves; 47.67% LTV; XXX DSCR; FICO: XXX | 12/16/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 47.67% is less than Guideline LTV of 80% \| 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 47.67% is less than Guideline CLTV of 80% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167453 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Waived | XXXX | Credit | Loan does not conform to program guidelines | Lender approved exception notated but missing from the loan file. | ; Borrower lives rent free DSCR loan. Comp Factors: LTV 58.33% XXX years landlord experience on subj Lives rent-free (not on mortgage) with partner but on deed to primary Good long term payment history on credit. Conditions: DSCR > XXX. Must meet all other XXX DSCR guidelines. ; Document Uploaded. ; | 12/16/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: Comp Factors: LTV 58.33% XXX years landlord experience on subj Lives rent-free (not on mortgage) with partner but on deed to primary Good long term payment history on credit. DSCR > XX/XX/XXXX | 12/16/2025 | XXX is Below the Guideline Maximum - Calculated LTV of 58.33% 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 58.33% is less than Guideline CLTV of 70% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167454 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2025 | Resolved | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for XXX $XXX/ month. | ; Documentation received, XXX to review.; Document Uploaded. XXX months cancelled rent checks to verify timely payments; | 12/16/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 167397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Waived | XXXX | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. | ; Please waive for B Grade. Seller does not require rent loss. Discussed with XXX and fine to move without rent loss. Comp Factors: XX/XX/XXXX DSCR; XXX FICO; XX/XX/XXXX Mos PITIA reserves.; | 12/15/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XX/XX/XXXX DSCR; XXX FICO; XX/XX/XXXX Mos PITIA reserves. | 12/15/2025 | XX/XX/XXXX DSCR, XXX FICO, and XX/XX/XXXX Mos PITIA reserves. B | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Waived | XXXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 does not list all of the real eState owned by the borrower | ; Please waive for B Grade. Seller only requires primary residence and subject on 1003. Discussed with XXX and fine to move forward without all REO listed. Comp Factors: XX/XX/XXXX DSCR; XXX FICO; XX/XX/XXXX Mos PITIA reserves.; | 12/15/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XX/XX/XXXX DSCR; XXX FICO; XX/XX/XXXX Mos PITIA reserves. | 12/15/2025 | XX/XX/XXXX DSCR, XXX FICO, and XX/XX/XXXX Mos PITIA reserves. B | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167397 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Waived | XXXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing XXX bank Statement for XXX and XXX. The XXX XXX Statements were provided for each. | ; Please waive for B Grade. Seller only requires XXX month Statement to document assets used to qualify. Discussed with XXX and fine to document assets as long as minimum of XXX month Statement documented in file. Comp Factors: XX/XX/XXXX DSCR; XXX FICO; XX/XX/XXXX Mos PITIA reserves.; | 12/15/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: XX/XX/XXXX DSCR; XXX FICO; XX/XX/XXXX Mos PITIA reserves. | 12/15/2025 | XX/XX/XXXX DSCR, XXX FICO, and XX/XX/XXXX Mos PITIA reserves. B | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 167460 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  | XXXX |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 167448 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Waived | XXXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. XXX DSCR v13 guidelines require two months of bank Statements to verify assets. There is one Statement in the file for XXX acct #XXX dated XX/XX/XXXX - XX/XX/XXXX. | ; Please waive for B Grade. Seller only requires XXX month Statement to document assets. Reviewed with XXX and fine to proceed as long as XXX month bank Statement is documented for accounts used to qualify. Comp Factors 62.26% LTV; XXX mos PITIA reserves; XXX DSCR; FICO: XXX; | 12/12/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following three XXX compensating factors for this purpose: 62.26% LTV; XXX mos PITIA reserves; XXX DSCR; FICO: XXX | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 167451 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  | XXXX |  |  |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 162574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/10/2025 | Acknowledged | XXXX | Credit | Maximum Borrower Exposure Exceeded | Borrower exposure exceeds guideline for single borrower | XXX: NQM exception approval in file. | 03/10/2025 | XXX: NQM exception approval received. | 03/10/2025 | XXX months reserves greater than program requirement, VOR XXX in XXX months C A B | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 164289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 9/3/2025 | Resolved | XXXX | No Findings | No Findings | The loan meets all the applicable guidelines | XXX: Clear |  | XXX: Clear | 9/3/2025 | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 165761 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 164298 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 164324 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 164511 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 164271 |  |  | $XXXXXX A | B | B | B | B | B A | A | A | A | A | A |
| 164335 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 164308 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 160783 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 168696 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 166861 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167372 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167064 |  |  | $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 |
| 167065 |  |  | $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 |
| 165814 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167066 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 167315 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168698 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 165815 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167316 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 165819 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 165822 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 167317 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 165824 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167318 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 165825 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 165826 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 165828 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 165830 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 165809 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 167319 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167320 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168700 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 166863 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 165831 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167071 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167072 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167074 |  |  | $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 |
| 167321 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167075 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 165804 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 165837 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 165839 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 165840 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 168702 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 167324 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167076 |  |  | $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 |
| 165844 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167077 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167079 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167081 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 166865 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 167325 |  |  | $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 |
| 167302 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167084 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167085 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167086 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167087 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167088 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 167089 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 166857 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167090 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167091 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 165818 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 166859 |  |  | $XXXXXX A | D | D | D | D | D A | A | A | A | A | A |
| 168693 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167096 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 168703 |  |  | $XXXXXX A | B | B | B | B | B A | B | B | B | B | B A |
| 166868 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167097 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167098 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 166869 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 167099 |  |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 167330 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167331 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167100 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167332 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 166870 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168692 |  |  | $XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 167334 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167105 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167336 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167311 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 167108 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167111 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167341 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167342 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167115 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 167344 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167119 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 168706 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167123 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167348 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167126 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167351 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167129 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167355 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167132 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167133 |  |  | $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 |
| 167136 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167137 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167138 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 167058 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167145 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 167146 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167061 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 167362 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167363 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167365 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167159 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 168708 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167409 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167410 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167524 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167491 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167490 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167492 |  |  | $XXXXXX B | A | A | A | A | A B | A | A | A | A | A |
| 167487 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167425 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 167488 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167489 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167523 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 168709 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 167307 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 168711 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 167375 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 167383 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168717 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 167385 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 168719 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 167390 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 168720 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168721 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 168726 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 168727 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 169533 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168732 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 168734 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168739 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 168742 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 168749 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 168750 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168694 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168751 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168752 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168755 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 168757 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 169519 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167515 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 167443 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167476 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167433 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167441 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167450 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167465 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167434 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167419 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 167404 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167449 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167413 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 167471 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167464 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 167452 |  |  | $XXXXXX C | D | D | D | D | D A B | A | A | A | A | A B |
| 167431 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 167396 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 167418 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167470 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167473 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167412 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 167435 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167462 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 167469 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 167439 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167438 |  |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 167414 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167457 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 167459 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167446 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167461 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167411 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167415 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167458 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167391 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 167455 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167468 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167417 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 167472 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167444 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167394 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167447 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167445 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 167405 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167442 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167453 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 167454 |  |  | $XXXXXX D | A | A | A | A | A D | A | A | A | A | A |
| 167397 |  |  | $XXXXXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 167460 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 167448 |  |  | $XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 167451 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 162574 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 164289 |  | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.5

**Exhibit 99.5 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** | **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** |
| 165761 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 164298 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 164324 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 164511 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 164271 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.71 | 57.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 164335 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 164308 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 160783 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.48 | 58.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 168696 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 63.59% | 63.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 166861 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 167372 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167064 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167065 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 165814 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.25 | 46.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 167066 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.91 | 72.91 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 167315 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 168698 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 165815 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 67.07% | 67.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167316 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 44.57% | 44.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -17.86% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 165819 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 46.33% | 46.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Eligible | 1.3 |  |
| 165822 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Not Eligible | 3.5 |  |
| 167317 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 165824 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.96 | 69.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 167318 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 165825 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 165826 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 165828 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 165830 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 165809 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 167319 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167320 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 168700 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 43.75% | 43.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 166863 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 165831 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 167071 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 167072 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.42% | 74.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167074 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.11% | 70.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167321 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.51% | 65.51% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Eligible | 1 |  |
| 167075 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 165804 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.56 | 55.56 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 165837 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 165839 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 62.26% | 62.26% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 165840 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 168702 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167324 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 167076 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 165844 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.94% | 50.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 167077 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 67.47% | 67.47% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167079 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 167081 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0909 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 166865 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.31 | 69.31 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 167325 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 167302 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 52.48% | 52.48% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 167084 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.93% | 74.93% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167085 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.93% | 74.93% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167086 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 167087 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167088 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167089 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.95 | 63.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 166857 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 167090 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  | XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 167091 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 165818 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 166859 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 168693 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 62.50% | 62.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167096 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 168703 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 166868 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 167097 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 167098 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 166869 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167099 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167330 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167331 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 167100 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 167332 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.15% | 79.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 166870 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 168692 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.73 | 77.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 167334 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167105 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.94% | 69.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 167336 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167311 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.24% | 73.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 167108 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 167111 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167341 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 88.9 | 88.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 167342 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 82.94% | 82.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167115 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 167344 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 58.75% | 58.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167119 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 168706 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 167123 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167348 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167126 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.86 | 77.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 167351 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 167129 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.68% | 64.68% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 167355 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 59.46% | 59.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 167132 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167133 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 167136 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Not Eligible | 2.6 |  |
| 167137 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Eligible | 2 |  |
| 167138 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 167058 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167145 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 167146 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167061 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167362 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 167363 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167365 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 50.41% | 50.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| 167159 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 168708 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167409 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 167410 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.22 | 25.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 167524 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 167491 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 167490 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 167492 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167487 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167425 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 65.0 | 65.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 167488 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 167489 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167523 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.9 | 44.9 | XXX | XXX | -.0816 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0816 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 168709 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 167307 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 168711 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.55 | 67.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 167375 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167383 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.38% | 61.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 168717 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 167385 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | 0.00% |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| 168719 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 167390 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 168720 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.80% | 69.80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.75% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 168721 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 168726 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.0 | 60.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 168727 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 169533 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 168732 |  |  | 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 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 168734 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 168739 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 168742 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 168749 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 168750 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 168694 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 168751 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 168752 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 63.19% | 63.19% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 168755 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 168757 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 169519 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167515 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167443 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.58 | 31.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167476 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 73.58 | 73.58 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167433 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167441 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 62.67 | 62.67 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 167450 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 60.85 | 60.85 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167465 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.78 | 73.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 167434 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167419 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167404 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 167449 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167413 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.91 | 74.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 167471 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.21 | 59.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167464 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.31 | 47.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 167452 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167431 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.14 | 78.14 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167396 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | XXX | XXX | -.0114 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0114 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167418 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.48 | 61.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 167470 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 167473 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 167412 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.92 | 69.92 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 167435 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.94 | 55.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 167462 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167469 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 64.29 | 64.29 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 167439 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 167438 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 167414 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 69.99 | 69.99 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167457 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 167459 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 167446 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.46 | 64.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 167461 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.5 | 37.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167411 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 167415 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.2 | 74.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 167458 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167391 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 167455 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 167468 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167417 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 167472 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 167444 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 167394 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 167447 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.38 | 52.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167445 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.11 | 67.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 167405 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.02 | 47.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167442 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.67 | 47.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167453 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.33 | 58.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| 167454 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 167397 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 167460 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 167448 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.26 | 62.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 167451 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 162574 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 164289 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.30% | 69.30% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** | ITIN Flag |
| 165761 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 164298 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 3 | Personal | 100.00 | 3 |  |  | XXX% |  | Audited | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 164324 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 164511 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 164271 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 16 | Business | 100.00 |  | 16 |  | XXX% |  |  |  | Yes | No | XXX | Yes | XXX | 0 | 1 | No | 2 | 2 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 164335 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | Yes | XXX | No | XXX | 1 | 0 | No | 2 | 2 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 164308 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 160783 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 168696 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No |
| 166861 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 1 | 0 | No | 1 | 1 | 0 | 3 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167372 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167064 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167065 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165814 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167066 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167315 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168698 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165815 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167316 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165819 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165822 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167317 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165824 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167318 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  | 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 |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | Yes | XXX | 0 | 0 | No | 2 | 2 | 0 | 0 | XXX | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 165825 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  | 14 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165826 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 165828 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165830 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165809 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167319 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167320 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168700 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 166863 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165831 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  |  |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167071 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167072 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167074 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167321 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167075 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165804 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion | No | Yes | Yes | 3 | Personal | 100.00 | 3 |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 165837 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 165839 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165840 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 168702 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167324 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167076 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165844 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167077 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167079 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167081 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 166865 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Borrower Prepared | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167325 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167302 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167084 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167085 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167086 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167087 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167088 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167089 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 166857 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167090 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167091 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 165818 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 166859 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | ALT DOC | No | No | No |  |  |  |  |  |  | XXX% | XXX% | Borrower Prepared | 24 | No | No | XXX | No | XXX | 0 | 0 | No | 3 | 3 | 2 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 168693 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167096 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  | 12 | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 168703 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  | Borrower Prepared | 12 | No | No | XXX | No | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 166868 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167097 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167098 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 166869 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  | 12 | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167099 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167330 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167331 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167100 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167332 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 166870 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168692 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167334 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167105 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167336 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167311 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167108 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167111 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167341 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167342 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167115 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167344 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167119 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168706 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167123 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  |  |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | Warrantable | No | XXX | No |
| 167348 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167126 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167351 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 15 | Business | 100.00 |  | 15 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167129 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167355 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167132 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  | 12 | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167133 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167136 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167137 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167138 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167058 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167145 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167146 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167061 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167362 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 2 | 0 | 1 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 2 | 0 | 1 |  | No | XXX | No |
| 167363 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167365 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167159 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168708 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167409 | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No |
| 167410 | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167524 | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167491 | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Non-Warrantable | No | XXX | No |
| 167490 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167492 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167487 | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167425 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167488 | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167489 | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 4.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167523 | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168709 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167307 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  | 13 |  | XXX% |  |  |  | Yes | Yes | XXX | Yes | XXX | 1 | 1 | No | 1 | 1 | 0 | 3 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 168711 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  | 12 | XXX% | XXX% |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167375 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167383 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168717 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167385 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1 | 0 | 0 |  | No | XXX | No |
| 168719 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 1 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167390 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168720 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168721 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 168726 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | No | No | XXX | No | XXX | 2 | 0 | No | 3 | 3 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | Warrantable | No | XXX | No |
| 168727 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 169533 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX |  | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168732 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 3 | Business | 100.00 |  | 3 |  | XXX% |  | Audited | 12 | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168734 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168739 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168742 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 168749 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168750 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168694 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168751 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168752 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.03 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168755 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 168757 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 169519 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  | 12 |  | XXX% |  |  |  | Yes | Yes | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |  | No | XXX | No |
| 167515 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX |  | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No |
| 167443 |  | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167476 |  | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No |
| 167433 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167441 |  | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167450 |  | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167465 |  | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167434 |  | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167419 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 1 | 0 | 0 |  | No | XXX | No |
| 167404 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No |
| 167449 |  | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167413 |  | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167471 |  | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167464 |  | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Basic | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167452 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167431 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167396 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167418 |  | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167470 |  | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167473 |  | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167412 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167435 |  | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167462 |  | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No |
| 167469 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167439 | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167438 | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | Yes | XXX | No |
| 167414 |  | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167457 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167459 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167446 |  | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167461 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167411 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167415 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Community does not Participate | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167458 | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167391 | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167455 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No |
| 167468 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 2.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167417 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167472 |  | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167444 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167394 |  | 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 | XXX | XXX |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167447 |  | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167445 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167405 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1 | 0 | 0 |  | No | XXX | No |
| 167442 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167453 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167454 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX | No |
| 167397 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167460 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167448 | 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 | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 167451 | 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 | XXX | XXX |  | No |  | 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 | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 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 | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | No | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 162574 |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No | XXX | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | 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 | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Present | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |
| 164289 |  |  | ATR/QM: Exempt | XXX | XXX |  | XXX |  |  | XXX |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Closed | XXX | XXX |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | 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 | 0 | 0 | 0 | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX | Percent | 0.05 |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | Yes | XXX | XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | No |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2026-NQM2**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 3 loans acquired by PRP-Annex VI AIV, LLC (the "Client"). The review was performed from November 2025 though January 2026, using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 3 loans for an aggregate original principal balance of $3,695,992.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions – September 30, 2024 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Doc Type |

---

Page **1** of **18**

![](ex99-6_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

**Underwriting Conformity (<u>Standard Residential Loans</u>)**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

Page **2** of **18**

![](ex99-6_001.jpg)

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate that the appropriate
employment and income documentation, such as pay stubs, tax transcripts, and bank statements, was provided and used to accurately qualify
the borrower according to guidelines. Recalculate the borrower's income and debt to determine the appropriate debt to income ratio
in accordance with the guidelines. Validate borrower's employment history and confirm that the appropriate income and assets were
used to qualify. Make a reasonable assessment of whether there are any indications that income documentation may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate that assets used to
qualify the borrower match the documentation in the file and the information used to calculate down payment, closing costs, and reserves
meet program guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review exceptions, compensating
factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review program guidelines against
the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review the loan approval against
all supporting documentation and loan application to verify accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the initial loan application
against the final loan application or other loan applications found in the file to validate the application was signed and properly completed
and to expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm that credit report(s)
and verification of mortgage or rental history, when required, have been provided for all borrowers/guarantors, are consistent with loan
approval, and meet guideline requirements. Verify whether any fraud alerts are listed on the credit reports and make a reasonable assessment
of whether the borrower's profile adheres to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review the loan file for inconsistencies
based on information derived from source documentation provided in the loan file, for the purposes of identifying misrepresentations contained
in the loan file, including with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review source documents for
consistency with regard to subject property occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review the title report for
possible judgments and other liens that may have existed upon origination; verify chain of title, as required by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify and validate the file
contains sufficient property insurance coverage as required by guidelines; confirm property insurance policy contains appropriate mortgagee
clause. For subject properties located in a Special Flood Hazard Area where flood insurance is required, verify and validate the file
contains sufficient flood insurance coverage as required by guidelines and that flood insurance policy contains appropriate mortgagee
clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review property details on
appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that Business Purpose
Affidavit and Occupancy Affidavit, if applicable, were executed by the borrowers/guarantors and confirm that document addresses are consistent
with subject property address and do not match the primary residence address.

Page **3** of **18**

**Underwriting Conformity (<u>Business Purpose/DSCR</u>)**

For each loan, Incenter Diligence validated conformance to Client supplied and program requirements and noted any exceptions. Unless otherwise directed by the Client, no regulatory compliance review was performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate Conformance to Product
Type and Eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Financing Terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Loan Product

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction Types: Verify Conformance
with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business Purpose Affidavit
– verify signed Borrower Statement of Business Purpose is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Non-Owner Occupancy –
verify Occupancy certification is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Validate that there is no information
in the loan that contradicts occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review Debt Service Coverage
Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review Cash Flow and Expense
Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review Hazard/Flood Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review preliminary Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate documentation requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify acceptable Residency
Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review credit reports used
to qualify borrower, as well as consumer credit history/charge offs/collections, and cite any exceptions or unusual findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Evaluate credit scores and
tradelines against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Evaluate other debt obligations
(alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If required, verify that a
3rd party fraud report (DataVerify, etc.) is contained in the loan file and review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate borrower's mortgage/rental
payment history using credit reports or other information supplied in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Verify that all judgements/liens/tax
liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify that any bankruptcy,
foreclosure or forbearance activity is in accordance with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform a review of all asset
information supplied in the loan file against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate borrowers' asset
utilization and verify sufficient liquid assets to supplement income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform a rental income analysis
using the information supplied in the loan file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review the original appraisal
report to ensure the valuation was performed by a licensed appraiser and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify subject property type
meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note any exceptions to stated
value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify value used to calculate
LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that the loan and property
data within the appraisal report matches the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the appraisal report
to ensure report value is "as is" or, if report is "subject to", that there is an associated completion report
resolving all noted issues, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review additional valuation
products in the file; if there is a variance greater than 10% below the appraisal value, Client will be notified and an additional independent
valuation product will be obtained as requested.

Page **4** of **18**

**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance Charge Test (12 CFR
§1026.18(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It
is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount
required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Rescission Finance Charge Test
(12 CFR §1026.23(h)(2)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more
than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount
required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rescission Total of Payments
Test ((12 CFR §1026.23(h)(2)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Is understated by no more than
$35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Is greater than the amount
required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure Rescission Finance
Charge and Total of Payments Tests (12 CFR §1026.23(h))

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. APR Test 12 CFR (§1026.22(a)(2),
(4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosed annual percentage
rate (APR) is considered accurate because it is not more than 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for
irregular transactions) point above or below the APR as determined in accordance with the actuarial method; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The disclosed APR results from
the disclosed finance charge, and the disclosed finance charge is considered accurate under §1026.18(d)(1) (the finance charge test),
or for purposes of rescission the disclosed finance charge is considered accurate under §1026.23(g) or (h) (the rescission finance
charge test or the foreclosure rescission finance charge test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right of Rescission Test (12
CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The funding date is not before
the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The consumer may exercise the
right to rescind until midnight of the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate Right of Rescission
Notice was provided, and the correct form was used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual Broker Compensation Test
(12 CFR §1026.36(d)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives
compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation,
directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan Originator Credits Test
(12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Test that the initial disclosure
(GFE/TIL/LE) does not contain any broker fees paid by the broker

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Financing of Single Premium
Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor may not finance,
directly or indirectly, any premiums or fees for credit insurance in connection with a consumer credit transaction secured by a dwelling
(including a home equity line of credit secured by the consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. TIL Disclosure Date Test (12
CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is a mortgage transaction
subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The initial TIL disclosure
date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially
all of its business functions) after the creditor receives the consumer's written application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The initial TIL disclosure
date is not later than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before
consummation of the transaction, or the application date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The loan is a "residential
mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The initial TIL disclosure
date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test the final TIL disclosure
and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The final TIL disclosure is
properly executed; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The final TIL disclosure and
any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA RESPA Integrated Disclosures
(TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial Loan Estimate Delivery
Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver
or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third
business day after the creditor receives the consumer's application

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Initial Loan Estimate Delivery
Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver
or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i) (provision of loan estimate form) not later than the
seventh business day before consummation of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate (12 CFR §1026.19
and 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify applicable sections
of the disclosure determined to carry assignee liability were accurately completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify final Loan Estimate
was provided to borrower prior to the Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Written List of Service Providers
(SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the consumer is permitted
to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that
settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least
one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written
list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the
timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Revised Loan Estimate Delivery
Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall not provide
a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures
required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i)
not later than four business days prior to consummation. If the revised version of the disclosures required under §1026.19(e)(1)(i)
is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor
delivers or places such version in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Valid Change of Circumstances
Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The changed circumstance(s)
form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed circumstance affecting
settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed circumstance affecting
eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions requested by the
consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration of initial loan
estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed settlement date on
a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The date the rate was set was
not provided and interest rate dependent charges change once the interest rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The reason for re-disclosure
is "Decrease in charges affecting settlement or eligibility, a consumer-requested revision, or other non-tolerance-related re-disclosure;"
or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The initial loan estimate was
not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Initial Closing Disclosure
Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall ensure that
the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing Disclosure Test (12
CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify applicable sections
of the disclosure determined to carry assignee liability were accurately completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Revised Closing Disclosure
Delivery Date Test (waiting period vs. no waiting period required) (12
CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the disclosures provided
under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed
terms to the consumer so that the consumer receives the corrected disclosures at or before consummation

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the consumer determines
that the extension of credit is needed to meet a bona fide personal financial emergency, the consumer may modify or waive the three-business-day
waiting period for the revised closing disclosure after receiving the disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID Tolerance Testing - Charges
That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed
pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed
under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID Tolerance Testing - Charges
That in Total Cannot Increase More Than 10% Test (12 CFR §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The aggregate amount of charges
for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed
under §1026.19(e)(1)(i) by more than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID Tolerance Testing - Lender
Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed
pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed
under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID Reimbursement Amount Test
(12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good
faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies
with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID Reimbursement Date Test
(12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good
faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies
with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure of Escrow Account
(§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan indicates an escrow
account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed
in the Projected Payments Table are accurate (§1026.38(c); §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed
in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate (§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed
in Section G – Initial Escrow Payment and Closing are accurate (§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify all amounts disclosed
in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the loan indicates an escrow
account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed
in the Projected Payments Table are accurate (§1026.38(c); (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed
in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate (§1026.37(c)(4), (5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed
in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure of Seller Paid Closing
Costs (§1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. In transactions involving a
seller, validate whether the lender disclosed all costs being paid by the seller on the borrowers Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If seller paid fees are present
on the borrower's Closing Disclosure, review the seller's Closing Disclosure or alternative documentation for accuracy of
disclosure

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Post-consummation Event and
Revised Closing Disclosure Delivery Date Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The post-consummation revised
closing disclosure delivery date is not more than 60 calendar days after the consummation date, or closing / settlement date if no consummation
date was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The provided reimbursement
date is not more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric Clerical Error
and Post-consummation Revised Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor does not violate
§1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i) contain non-numeric clerical errors, provided the creditor
delivers or places in the mail corrected disclosures no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan Calculation Test on the
Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified Mortgage / Ability
To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification of QM designated
loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate whether the mortgage
loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to
the applicable average prime offer rate plus a certain applicable percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Determination of conformity
thresholds (Safe Harbor or Rebuttable Presumption)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative Amortization Loan
(12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify that a qualified mortgage
is a covered transaction that provides for regular periodic payments that are substantially equal and any interest rate change after consummation,
along with the corresponding payment, does not result in an increase of the principal balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest Only Loan (12 CFR
1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify that no qualified mortgage
loan allows the consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon Payment Loan (12 CFR
1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify that no qualified mortgage
results in a ballon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered
transaction for which the loan term does not exceed 30 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees do not exceed
the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ratio of the consumer's
total monthly debt to total monthly income at the time of consummation does not exceed 43 percent, calculated in accordance with Appendix
Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory on July 1, 2021,
 meaning that the QM Patch effectively terminates on July 1, 2021—and that all loans
 sold to Fannie and Freddie must comply with the revised QM rules, effective July 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. For
 creditors not selling loans to Fannie Mae and/or Freddie Mac, loans underwritten from March
 1, 2021 until October 1, 2022 will continue to apply the legacy QM rules; however, commencing
 July 1, 2021, legacy QM loans must be underwritten to Appendix Q and NOT to the QM Patch.

<br> Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Client is required to advise
regarding which application of QM/DTI or QM/APR rule for loans with application dates between 03/01/2021 and 10/01/2022 for the proper
evaluation of QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Loans underwritten after 10/1/2022
will be reviewed following the revised QM (QM 2.0) rules,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. APR (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan APR is not to exceed
the APOR plus percentage threshold, calculated according to 12 CFR §1026.43(e)(2)(vi). With a QM/APR optional test period for loans
with application dates between 03/01/2021 and 10/01/2022 and mandatory compliance and testing for loans after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The APR on the loan does not exceed the threshold for the loan amount:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For a first-lien loan with a loan amount greater than or equal to $110,260
(indexed for inflation), 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For a first-lien loan with a loan amount greater than or equal to $66,156
(indexed for inflation), but less than $110,260 (indexed for inflation), 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For a first lien loan with a loan amount less than $66,156 (indexed for
inflation), 6.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For a subordinate-lien loan with a loan amount great than or equal to $66,156
(indexed for inflation), 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For a subordinate-lien loan with a loan amount less than $66,156 (indexed
for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Revised QM (QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM/DTI test will cease as of
application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In addition to the Generally
Applicable Factors above, all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Monthly Payment. The amount of the monthly payment on the loan is calculated
using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage
obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider and Verify. The creditor considers and verifies the consumer's
current or expected income and assets and debt and his DTI or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. As part of the "consider" requirement, Incenter Diligence will
review the (i) creditor's policies and procedures provided by Client, as well as any exceptions thereto, for how the creditor takes
into account the underwriting factors enumerated above, and (ii) the documentation retained by creditor, such as an underwriting worksheet
or a final automated underwriting system certification, showing how the creditor took these factors into account in its ability-to-repay
determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Consider and Verify Safe Harbor (VSH). Creditor is deemed to have complied
with this "verify" requirement if it complies with the verification standards in one or more of these following agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide,
published June 3, 2020 including all subsequent updates; Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide,
published June 10, 2020 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's
Single-Family Housing Policy Handbook, issued October 24, 2019 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook,
revised February 22, 2019 including all subsequent updates;

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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;j. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook
for the Direct Single Family Housing Program, revised March 15, 2019 including all subsequent updates; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook
for the Single-Family Guaranteed Loan Program, revised March 19, 2020 including all subsequent updates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. For purposes of compliance with VSH, a creditor must comply with only those
provisions in the manuals that require creditors to verify income, assets, debt obligations, alimony and child support using specified
documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child
support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised versions of manuals. A creditor also complies with the verification
safe harbor where it complies with revised versions of the manuals listed above provided that the two versions are "substantially
similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The QM 2.0 Rule permits the creditor to "mix and match" verification
standards from different agency manuals. Incenter Diligence will test the creditor's "verification" of third- party
records in instances when the creditor either uses (i) its own procedures or alternatively, (ii) the verification standards of one or
more of the agency handbooks listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Note: the Client must provide written policies and procedures and related
documentation such as underwriter worksheets in order for Incenter Diligence to review loans under the QM 2.0 Rules, and in particular,
with regard to the "consider" and "verify" requirements. Further, if the Client intends to use the VSH, its written
policies and procedures must specify the precise agency handbook(s) that it is relying on with specific references to the particular provisions
addressing income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows,
property, and obligations as income, assets, debt obligations, alimony, and child support—as well as the specific date(s) of the
agency handbook(s) issuance, publication or revision. In addition, Incenter Diligence is not responsible for determining whether revised
versions of the manuals listed above are "substantially similar" for purposes of the VSH; such a determination of the sole
responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note: due to the inherent subjectivity of the foregoing "consider"
and "verify" requirements, Incenter Diligence will review the Client's: (i) policies and procedures and worksheets and
(ii) methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized) for
content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply
with applicable law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider
would reach the same conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty (12 CFR
1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A covered transaction must
not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The prepayment penalty is otherwise
permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Has an annual percentage rate
that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Is a qualified mortgage under
paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is not a Higher Priced Mortgage
Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home Ownership and Equity Protection
Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal HOEPA coverage (12
CFR §1026.32(a)(1)(i), (ii))

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Tests that the loan is/is not
secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Tests that the loan is/ is
not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. That the application date of
the loan occurs before/after the effective date of October 1, 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. That the date the creditor
received application occurs on or after January 10, 2014, the effective date of the High-Cost Mortgage amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost Mortgage APR threshold
test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is secured by a first-lien
transaction, and the annual percentage rate (APR) does not exceed the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The loan is a subordinate-lien
transaction, and the annual percentage rate (APR), does not exceed the Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost Mortgage Points and
Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The total points and fees do
not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost Mortgage Prepayment
Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan contract or open-end
credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A prepayment penalty more than
36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment penalties that can
exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost Mortgage (12 CFR
§1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost Mortgage Repayment
Ability Test (12
CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other high-costs tests pursuant
to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Pre-loan counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Late charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher Priced Mortgage Loan
– HMPL (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher Priced Mortgage Loan
tests (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher Priced Mortgage Loan
required escrow account test (12 CFR §1026.35(b))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher Priced Mortgage Loan
required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited Acts – Brokers
Comp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker Compensation Test (12
CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives
compensation directly from a consumer in a consumer credit transaction secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No loan originator shall receive
compensation, directly or indirectly, from any person other than the consumer in connection with the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No person who knows or has
reason to know of the consumer-paid compensation to the loan originator (other than the consumer) shall pay any compensation to a loan
originator, directly or indirectly, in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide Mortgage Licensing
System (NMLS) Tests (12 CFR §1026.36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. review for presence of mortgage
loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note
or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify the data against the
NMLSR database, as available

Page **12** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership Counseling Organizations
Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than three business
days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender
must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant
counseling services in the loan applicant's location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The list of homeownership counseling
organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the
list is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good Faith Estimate Disclosure
Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than 3 business days
after a loan originator (broker or lender) receives an application for a federally related mortgage loan, or information sufficient to
complete an application, the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good Faith Estimate Disallowed
Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Looks for any amounts entered
for both a loan discount fee and a yield spread premium or a lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Only one charge or one credit
affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA Valuation Rule (12 CFR
§1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review all applicable loans
for the Disclosure of Right to Receive a Copy of Appraisals. Validate if the customer(s) waived their right to receive copies of their
appraisals three business days prior to consummation/account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review all applicable loans
for proof that lender delivered copies of appraisals and other written valuations three business days before consummation (closed-end),
or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If the customer(s) waived their
right to receive copies of their appraisals three business days prior to consummation/account opening, review the Post-Closing submission
for an Acknowledgment of Receipt of Appraisal Report, or other proof that the lender provided the copies either at, or prior to, consummation
or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **State Specific tests (varies by state and applicability, but at a minimum includes);** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher Priced Mortgage Loan
tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas Home Equity Loans

Page **13** of **18**

**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;· Initial
Application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;· Final
Application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Approval (1008)

&nbsp;&nbsp;&nbsp;&nbsp;· HUD1
from Sale of Previous Residence

&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Estimates and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;· Sales
Contract

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage/Deed
of Trust

&nbsp;&nbsp;&nbsp;&nbsp;· Note

&nbsp;&nbsp;&nbsp;&nbsp;· Guaranty
Agreement

&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy
Affidavit

&nbsp;&nbsp;&nbsp;&nbsp;· Lease Agreements

&nbsp;&nbsp;&nbsp;&nbsp;· Business Purpose Affidavit

&nbsp;&nbsp;&nbsp;&nbsp;· Junior Lien Information

&nbsp;&nbsp;&nbsp;&nbsp;· Subordination Agreement

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation

&nbsp;&nbsp;&nbsp;&nbsp;· Employment Documentation

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Reports

&nbsp;&nbsp;&nbsp;&nbsp;· 4506T/Tax Documentation

&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Documentation

&nbsp;&nbsp;&nbsp;&nbsp;· Disclosures: Right of Rescission,
Net Tangible Benefit and FACTA

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal Valuation Reports

&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary Title

&nbsp;&nbsp;&nbsp;&nbsp;· Flood and Hazard Insurance
Policies

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Certificates

**Other review and methodology**

Not applicable.

Page **14** of **18**

**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

Page **15** of **18**

**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance,

and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp; **Credit** <br> **Grade A** | &nbsp;&nbsp; **Credit** <br> **Grade B** | &nbsp;&nbsp; **Credit** <br> **Grade C** | &nbsp;&nbsp; **Credit** <br> **Grade D \*** |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp;**Compliance Grade A** | &nbsp;&nbsp;**Compliance Grade B** | &nbsp;&nbsp;**Compliance Grade C** | &nbsp;&nbsp;**Compliance Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **16** of **18**

![](ex99-6_001.jpg)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp; **Property** <br> **Grade A** | &nbsp;&nbsp;**Property Grade B** | &nbsp;&nbsp; **Property** <br> **Grade C** | &nbsp;&nbsp; **Property** <br> **Grade D \*** |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |

---

Page **17** of **18**

![](ex99-6_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

Page **18** of **18**

## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-6sch1_001.jpg) | Report Date: | 3/20/2026 |
| Client Name: | PRP-Annex VI AIV, LLC | Report: | Exception Report |
| Deal Name: | PRPM 2026-NQM2 | Loans in report: | 3 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXX | 163077 | XXX | C A | Closed | FCRE1634 | 2025-10-14 13:59 | 2025-10-17 11:49 | Resolved | 1 - Information C A | Credit | Eligibility | LTV/CLTV/HLTV Do Not Meet Guideline Requirements | Resolved-Guideline clarification received. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. - Seller-10/17/2025 <br>Open-LTV/CLTV/HLTV Do Not Meet Guideline Requirements Per lender guidelines unleased DSCR loans max LTV, CLTV & HCLTV is 75%. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-Guideline clarification received. - Due Diligence Vendor-10/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | UW lox.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase NA | N/A | N/A |
| XXX | 163077 | XXX | C A | Closed | FCRE1195 | 2025-10-14 13:54 | 2025-10-17 11:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Guideline clarification received. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/17/2025 <br> Open-Audited CLTV of XXX% exceeds Guideline CLTV of 75% Audited LTV, CLTV & HCLTV of XXX% exceeds Guideline LTV, CLTV & HCLTV of 75%, Per lender guidelines unleased DSCR loans max LTV, CLTV & HCLTV is 75%. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-Guideline clarification received. - Due Diligence Vendor-10/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | UW lox.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase NA | N/A | N/A |
| XXX | 163077 | XXX | C A | Closed | FCRE7879 | 2025-10-09 17:01 | 2025-10-17 11:31 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Qualifying LTV Variance | Resolved-Received revised 1008 reflecting correct Appraised Value of $XXX. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/17/2025 <br> Open-"According to the appraisal report, the appraised value of the subject property is $XXX. However, Form 1008 reflects a different appraised value of $XXX" - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-Received revised 1008 reflecting correct Appraised Value of $XXX. - Due Diligence Vendor-10/17/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | 1008.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Purchase NA | N/A | N/A |
| XXX | 163097 | XXX | D A C | Closed | FCRE1182 | 2025-11-21 10:39 | 2026-01-07 17:33 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 <br> Resolved-Received DU/Ineligible Findings. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. Per matrix for Full doc program, Alternative Loan Review Form (Exhibit E) or DU ineligible findings are required. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-We do not run DU on these types of loans. Our underwriter is asking if this is a XXX requirement/overlay? Please advise or waive. Or are you referring to a specific form called "ALTERNATIVE LOAN REVIEW" ? - Seller-12/01/2025 <br> Open-Missing Alternate Loan Review Form/DU Ineligible Finding per guidelines. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Ready for Review-We do not run DU on these types of loans. Our underwriter is asking if this is a XXX requirement/overlay? Please advise or waive. Or are you referring to a specific form called "ALTERNATIVE LOAN REVIEW" ? - Seller-12/01/2025 | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-01/07/2026 <br>Resolved-Received DU/Ineligible Findings. - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680.<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% |  | XXXX | 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 | 163097 | XXX | D A C | Closed | FCRE7497 | 2025-11-19 21:36 | 2025-12-31 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received tax cert for property located at: XXX. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. XXX Taxes - Seller-12/31/2025 <br> Counter-Received revised 1008/1003, however insufficient to clear condition. Still missing evidence of PITIA (insurance; property taxes) for property located at: XXX. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Revised 1008 and 1003 with $XXX escrow added. - Seller-12/01/2025 <br> Open-Missing evidence of PITIA (insurance; property taxes) for property located at: XXX. Subject to recalculation of DTI and Rental Income. According to Credit Supplement, the Mortgage with XXX #XXX is paid in full. Lender used Mortgage Payment to calculate DTI & Rental Income. Per the Mortgage statement, the escrows were $XXX/mo. It does not appear Taxes & Insurance is included in this calculation - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. XXX Taxes - Seller-12/31/2025 <br> Ready for Review-Document Uploaded. Revised 1008 and 1003 with $XXX escrow added. - Seller-12/01/2025 | Resolved-Received tax cert for property located at: XXX. - Due Diligence Vendor-12/31/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680.<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% |  | XXX 1008 revised adding in $XXX escrow pmt.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase NA | N/A | N/A |
| XXX | 163097 | XXX | D A C | Closed | FCRE1335 | 2025-11-19 21:26 | 2025-12-31 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received XXX tax transcripts which support XXX tax returns. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. XXX Transcripts attached - Seller-12/31/2025 <br> Counter-UPDATED: Missing XXX tax returns. In addition, missing XXX Tax Return Transcripts. No record found is required for Tax Returns with an extension. Due to closing date after XXX, XXX tax transcripts are required or No Record Found. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. The IRS transcripts for XXX were in the file you received. Can you please waive this 1/2 of the condition. - Seller-11/24/2025 <br> Open-Borrower 1 IRS Transcripts Missing Missing XXX Tax Return Transcripts. No record found is required for Tax Returns with an extension. In addition, missing XXX Tax Return Transcripts. Per guidelines, transcripts are required for any returns submitted. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. XXX Transcripts attached - Seller-12/31/2025 <br> Ready for Review-Document Uploaded. The IRS transcripts for XXX were in the file you received. Can you please waive this 1/2 of the condition. - Seller-11/24/2025 | Resolved-Received XXX tax transcripts which support XXXX tax returns. - Due Diligence Vendor-12/31/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680.<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% |  | XXX IRS Transcripts.pdf<br> XXX Transcripts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase NA | N/A | N/A |
| XXX | 163097 | XXX | D A C | Closed | FSER1201 | 2025-11-19 21:33 | 2025-12-12 13:22 | Resolved | 1 - Information A | Servicing | Additional Information | Loan Approval is missing | Resolved-Received Alternative Loan Review Form. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/12/2025 <br>Open-Missing Alternate Loan Review Form/DU Ineligible Finding per guidelines. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025<br>| Resolved-Received Alternative Loan Review Form. - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680.<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% |  | XXX loan analysis form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase NA | N/A | N/A |
| XXX | 163097 | XXX | D A C | Closed | FVAL9739 | 2025-11-17 15:30 | 2025-11-21 10:38 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Open-Missing documentation to support appraisal #2 order meets AIR compliance. Appraisal completed for XXX reflects "XXXX" and payment was made directly to appraiser. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680.<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% |  | XXX - Appraisal AIR Cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase NA | N/A | N/A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-6sch1_002.jpg) | Report Date: | 3/20/2026 |
| Client Name: | PRP-Annex VI AIV, LLC | Report: | Final Tape Compare |
| Deal Name: | PRPM 2026-NQM2 | Loans in report: | 3 |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 163077 |  |  | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-6sch1_003.jpg) | Report Date: | 3/20/2026 |
| Client Name: | PRP-Annex VI AIV, LLC | Report: | QM ATR |
| Deal Name: | PRPM 2026-NQM2 | Loans in report: | 3 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXX | 163077 | XXX |  | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 163097 | XXX |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | Yes | Employed |  | No |  | No |  |
| XXX | 161163 | XXX |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-6sch1_004.jpg) | Report Date: | 3/20/2026 |  |  |  |  |  |  |  |  |
| Client Name: | PRP-Annex VI AIV, LLC | Report: | Rating Agency Grades |  |  |  |  |  |  |  |  |
| Deal Name: | PRPM 2026-NQM2 | Loans in report: | 3 |  |  |  |  |  |  |  |  |
|  |  |  |  | **INITIAL CREDIT GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL PROPERTY GRADES** | **FINAL OVERALL LOAN GRADES** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXX | 163077 | XXX |  | XXX C A |
| XXX | 163097 | XXX |  | XXX D A C |
| XXX | 161163 | XXX |  | XXX A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-6sch1_005.jpg) | Report Date: | 3/20/2026 |
| Client Name: | PRP-Annex VI AIV, LLC | Report: | Valuation Summary |
| Deal Name: | PRPM 2026-NQM2 | Loans in report: | 3 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX | 163077 | XXX |  | XXX | XXX | XXX | 0 | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXX |
| XXX | 163097 | XXX |  | XXX | XXX | XXX | 0 | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | .0483 | XXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXX |
| XXX | 161163 | XXX |  | XXX | XXX | XXX | 0 | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |

---

## Exhibit 99.7

**Exhibit 99.7**

**EXECUTIVE SUMMARY**

PRPM 2026-NQM2

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by PRP-Annex VI AIV, LLC. The Review was conducted from October 2025 to December 2025 on a mortgage loan which originated in October 2025. The Review consisted of 100% of the population of 1 loan with an original loan balance of $732,000.00.

**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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR Loans

![](ex99-7_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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

![](ex99-7_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down
payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest money deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in housing payment and any required upfront
premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with
approval and with all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing disclosure or Settlement Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. Effective October 1, 2022, loans with application dates on or after such date must comply with the General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

![](ex99-7_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence reviewed each
mortgage loan to determine each mortgage loan's status under the QM and ATR rule requirements and assign a QM and ATR designation
as determined by MaxDiligence. MaxDiligence will note as a material exception if its QM and ATR designations do not confirm to the originator's
original QM and ATR designations. Additionally, MaxDiligence will note if an originator's mortgage loan designation was not provided.
MaxDiligence shall use the following designations:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. MaxDiligence utilizes the following QM designations
for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM Safe-Harbor (also known as General QM)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) QM Rebuttal Presumption (including Higher-priced
loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary QM (for all applications prior to
October 1, 2022)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Non-QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. MaxDiligence utilizes the following ATR designations
for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) ATR Compliant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) ATR Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) ATR Exempt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In order to determine the QM
designation, as applicable, MaxDiligence will review each Loan for the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Use of any risky mortgage loan features and
terms (e.g. an interest only feature or negative amortization);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Do the "points and fees" exceed
the applicable QM threshold;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Was monthly payment calculated appropriately;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Did the creditor considered and verify income
or assets at or before consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Did the creditor appropriately considered debt
obligations, alimony and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For mortgage loan applications prior to October
1, 2022, if the DTI ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. For mortgage loan applications on and after
October 1, 2022, for which the annual percentage rate does not exceed the average prime offer rate for a comparable transaction as of
the date the interest rate is set by the amounts specified based on loan amount (adjusted annually on January 1 by the annual percentage
change in the Consumer Price Index for All Urban Consumers (CPI-U) that was reported on the preceding June 1) and the lien position of
the proposed credit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) For a first-lien covered transaction with a
loan amount greater than or equal to $110,260 (indexed for inflation), 2.25 or more percentage points; or

![](ex99-7_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) For a first-lien covered transaction with a
loan amount greater than or equal to $66,156 (indexed for inflation) but less than $110,260 (indexed for inflation), 3.5 or more percentage
points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) For a first-lien covered transaction with a
loan amount less than $66,156 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) For a first-lien covered transaction secured
by a manufactured home with a loan amount less than $110,260 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) For a subordinate-lien covered transaction with
a loan amount greater than or equal to $66,156 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) For a subordinate-lien covered transaction with
a loan amount less than $66,156 (indexed for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Upon completion of Section 12(B) above, if a
Loan is determined to be a QM loan, MaxDiligence will determine if the Loan is a Higher-Priced Mortgage Loan ("HPML") as defined
by 12 CFR 1026.35:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the Loan is HPML, then the Loan shall be
designated as QM Rebuttal Presumption (Higher Priced);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the Loan is not an HPML, then the Loan shall
be designated as QM Safe Harbor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Upon completion of Section 12(B) above, for
each Loan that is designated as Non-QM, MaxDiligence then will determine whether the mortgage loan complies with the ATR rule, in accordance
with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. MaxDiligence will evaluate the Loan for ATR
compliance based on the following eight factors and will verify such information using reasonably reliable third-party records, at or
before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets: Recalculate borrower(s)'s
monthly gross income, and validate funds required to close and required reserves, to confirm that the borrower has current or reasonably
expected income or assets (other than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan.
Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment: Review file documentation for required
level of employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct
program, qualifying rate, and terms were used to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans: Ensure that all concurrent
Loans were included in the DTI calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations: Validate that
the subject Loan's monthly payment calculation includes principle, interest, taxes, and insurance, as well as other costs related
to the property such as homeowners' association fees, private mortgage insurance, ground rental fees, etc.

![](ex99-7_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations: Validate monthly recurring
non-mortgage-related liabilities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate DTI or "residual
income," based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation
provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History: Review credit report for credit
history and required credit depth, including any / all inquiries, and determine a representative credit score from the credit report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Upon completion of Section 12(E) above, MaxDiligence
will assign an ATR designation.

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review will include a review of the valuation materials utilized during
the origination of the loan and in confirming the value of the underlying property. MaxDiligence's review will include verifying
the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender
or a related entity that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another lender,
the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval
of the mortgage loan application; Any revisions, if made known to MaxDiligence, to the original report are documented and dated completed
and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including
all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions
of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance
based on a third-party valuation product. If a third-party valuation product is in file but notes a variance above 10% or an inconclusive
value, MaxDiligence will recommend a BPO or field review be ordered.

![](ex99-7_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, MaxDiligence's review
will (a) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that
such comparable properties are within standard appraisal guidelines; (b) confirm the property value and square footage of the subject
property was bracketed by comparable properties, (c verify that comparable properties used are similar in size, style, and location to
the subject, and (d) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of MaxDiligence's review include (i) verifying that
the address matched the mortgage note, ((ii) if requested, noting whether the property zip code was declared a FEMA disaster area after
the valuation date and notifying the Client of same, (iii) confirming the appraisal report does not include any apparent environmental
problems, (iv) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing
pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject
property is the one for which the valuation was ordered and that there are no negative external factors; and (vi) confirming that the
value product that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, MaxDiligence will confirm consistency
among the valuation products and if there are discrepancies that could not be resolved, MaxDiligence will create an exception and work
with the client on the next steps which may include ordering of additional valuation products such as collateral desktop analyses, broker's
price opinions, and full appraisals. If the property valuation products included in MaxDiligence's review result in a variance of
more than 10% then the client will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Review will confirm to the extent possible, that the appraiser and the appraisal
made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence will review the appraisal for
conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable
and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence will access the ASC database to verify that the
appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**Compliance Review**

"Compliance Review" means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review shall not apply to business purpose loans.

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the Initial LE and confirm (i) the correct
form was used; (ii) all sections of the Initial LE are completed; and (iii) the Initial LE accurately reflects the information provided
to MaxDiligence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a Revised LE, confirm (i) that there
is a "valid reason" for the Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine which LE in the file is the "final
binding" LE for the purpose of Tolerance Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
will not be used for the purposes of Tolerance Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm initial LE was delivered within three
(3) Business Days from the application date, and at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm revised LE was delivered within three
(3) Business Days from date of the "valid reason" giving rise to the Revised LE, and at least four (4) Business Days prior
to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that certain sections of each LE determined
to carry assignee liability were accurately completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the correct
form was used; (ii) all sections of the CD are completed; and (iii) the CD accurately reflects the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirm (i) that
there was a valid reason for the change; (ii) that the CD was issued within three (3) days of the change; and (iii) whether the reason
for the change requires a new 3-day waiting period prior to the consummation date.

![](ex99-7_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm Initial CD, and any
subsequent CD with material changes (i.e. changes that require a new waiting period), was received at least three (3) Business Days prior
to the consummation date. With respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of
explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception
establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected
CD was delivered or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"),
as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice
in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right
of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) Business Day
rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable
loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance
charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed
in the final binding LE to those in the final CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to
determine (i) whether there is evidence that certain changes or errors (per the regulation) were discovered subsequent to closing, (ii)
and whether the Loan originator followed the prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation
CD (" <u>PCCD</u> "), and iii) with respect to applicable exception remediation measures for numerical exceptions, confirm that
a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery
of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions,
that a corrected CD was delivered or placed in the mail no later than 60 days after consummation.

![](ex99-7_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm the presence of Your Home Loan Toolkit
in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm Your Home Loan Toolkit was delivered
or placed in the mail not later than three (3) Business Days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements,
limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal
requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the
Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review relevant documentation to determine if
compensation to a Loan Originator was based on a term of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review relevant document to determine if there
was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the presence of the mortgage loan option
disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note: Where available, MaxDiligence reviewed
the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement
and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation
agreement and/or governing policies and procedures, MaxDiligence's review was limited to formal general statements of entity compliance
provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage
loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor obtained proof of
homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

![](ex99-7_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the terms of the mortgage loan
require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly
or indirectly, any premiums or fees for credit insurance in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review for presence of mortgage loan originator
organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan
contract, security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database,
as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure
Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the Servicing Disclosure Statement was
provided to the borrower(s) within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home Loan Toolkit/Special
Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided
to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm the Your Home Loan Toolkit /Special
Information Booklet was provided within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when
applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued within
three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business
Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement
Disclosure was provided no later than three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement
Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm the presence of the Initial Escrow Disclosure
Statement in the mortgage loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the borrower
a list of homeownership counselling organizations within three (3) Business Days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirm that the list of homeownership counselling
organizations was obtained no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

![](ex99-7_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit
Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy
of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal
or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each
appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) With respect to
a borrower that has waived the three (3) Business Day disclosure requirement, confirm that (a) the borrower has signed the waiver or other
acknowledgment at least three (3) Business Days prior to consummation; and (b) that the lender has provided copies of appraisals and other
written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions
of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions
of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage
loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as
defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from
time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment
penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including
Escrow Closing Notice; and Mortgage servicing transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For Loans made by an FDIC-supervised institution
or servicer, extended or renewed on or after January 1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether any fee is a "bona fide"
fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether the loans comply with all federal, state
or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the pool received an Overall "B" 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;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &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;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &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;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &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;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

![](ex99-7_001.jpg)

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Credit Grade of "A", a Compliance Grade of "B", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Deficient | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue - Neighborhood Location | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (B) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 1 mortgage loan reviewed, 0 unique mortgage loans (by loan count) had a total of 0 different tape discrepancy across the data fields. A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

![](ex99-7_001.jpg)

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Property Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

![](ex99-7_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![Picture](ex99-7sch1_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Transaction | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Date | 03/xx/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** | **Initial Loan Grade (S&P)** | **Final Loan Grade (S&P)** | **Initial Credit Grade (S&P)** | **Final Credit Grade (S&P)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (S&P)** | **Initial Valuation Grade (S&P)** | **Final Valuation Grade (S&P)** | **Initial Loan Grade (DBRS Morningstar)** | **Final Loan Grade (DBRS Morningstar)** | **Initial Credit Grade (DBRS Morningstar)** | **Final Credit Grade (DBRS Morningstar)** | **Initial Compliance Grade (DBRS Morningstar)** | **Final Compliance Grade (DBRS Morningstar)** | **Initial Valuation Grade (DBRS Morningstar)** | **Final Valuation Grade (DBRS Morningstar)** | **Initial Loan Grade (Fitch)** | **Final Loan Grade (Fitch)** | **Initial Credit Grade (Fitch)** | **Final Credit Grade (Fitch)** | **Initial Compliance Grade (Fitch)** | **Final Compliance Grade (Fitch)** | **Initial Valuation Grade (Fitch)** | **Final Valuation Grade (Fitch)** | **Initial Loan Grade (Kroll)** | **Final Loan Grade (Kroll)** | **Initial Credit Grade (Kroll)** | **Final Credit Grade (Kroll)** | **Initial Compliance Grade (Kroll)** | **Final Compliance Grade (Kroll)** | **Initial Valuation Grade (Kroll)** | **Final Valuation Grade (Kroll)** | **Initial Loan Grade (Moody's)** | **Final Loan Grade (Moody's)** | **Initial Credit Grade (Moody's)** | **Final Credit Grade (Moody's)** | **Initial Compliance Grade (Moody's)** | **Final Compliance Grade (Moody's)** | **Initial Valuation Grade (Moody's)** | **Final Valuation Grade (Moody's)** |
| XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 5 | 2025-10-27 21:55 | Property | Property Issue - Neighborhood Location | The subject appraisal verified a neighborhood location not allowed per guidelines. INELIGIBLE PROPERTIES<br> • Mixed used properties<br> • Rural properties<br>Per appraisal rural property. No exception located in file Per XXXXXX guidelines dated XXXXXX rural properties are ineligible. <br>|  | Document Uploaded. - 12/11/2025<br>| Received exception approval for rural property - 12/11/2025<br>Document Uploaded. - 12/11/2025<br>| Residual income of $XXXXXX DTI 10% lower than maximum allowed | 2025-12-11 20:04 | Waived | 3 | 2 | 3 | 2 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 5 | 2025-10-27 22:29 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. <br>|  | - 11/14/2025<br>| Cleared fraud alert provided, condition resolved. - 11/19/2025<br>All Fraud Report Alerts have been cleared or None Exist - 11/19/2025<br>|  | 2025-11-19 19:26 | Resolved | 3 | 1 | 3 | 2 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 5 | 2025-10-27 22:31 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. <br>|  | - 11/14/2025<br>| XXXXXX supporting value was provided, condition resolved. - 11/19/2025 |  | 2025-11-19 19:21 | Resolved | 3 | 1 | 3 | 2 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 4 of 5 | 2025-10-28 12:02 | Credit | Approval/Underwriting Summary Deficient | Approval/Underwriting Summary is deficient. Final 1008 doesn't include all other monthly payments. <br>|  | - 12/12/2025 <br>Document Uploaded. - 12/11/2025<br>| Received 1008 reflecting other month payments - 12/12/2025<br>Received a 1003 and 1008 with a different borrower name and property address; missing updated 1008 for subject loan - 12/11/2025<br>Document Uploaded. - 12/11/2025<br>|  | 2025-12-12 16:12 | Resolved | 3 | 1 | 3 | 2 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 5 of 5 | 2025-10-28 16:47 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-28 16:47 | Cleared | 1 | 1 | 3 | 2 |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 271 | 272 | 273 | 274 | 275 | 276 | 277 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 | 292 | 293 | 294 | 295 | 296 | 297 | 298 | 299 | 300 | 301 | 302 | 303 | 304 | 305 | 306 | 307 | 308 | 309 | 310 | 311 | 312 | 313 | 314 | 315 | 316 | 317 |
| **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** | **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** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy 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** | **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** | **Title Company Name** | **MERS MIN Number** |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1490.00 | XXXXXX | 6.310% | Manual Underwriting | Manual Underwriting | No | 6.929% |  | 6.875% | 6.875% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 45.10% | 48.65% | 48.65% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 33 | 33 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Page | XXXXXX | XXXXXX |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 26.6 | XXXXXX | 26.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional NA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 7.75 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Rural |  | XXXXXX |

---

## Exhibit 99.7

**Exhibit 99.7 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** | **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** |
| XXXXXX | XXXXXX | XXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 80.0 | 80.0 | XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.8

**Exhibit 99.8**

![](ex99-8_001.jpg)

**Selene Diligence LLC ("Selene")<br> Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by PRP-Annex VI AIV, LLC ("Client"). The review was conducted between September 2025 and February 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 115 Non-QM loans and 19 ATR-QM exempt loans for a total of 134 loans the "Final Securitization Population".

*<u>Credit Reviews (134):</u>*

During the Review, Selene performed a credit review on 134 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (134)</u>*

During the Review, Selene performed a compliance review, when applicable on 134 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (134):</u>*

During the Review, Selene performed a property valuation review on 134 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (134):</u>*

During the Review, Selene performed a Data Integrity Review on 134 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 134 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;134 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;134 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;134 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;134 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. ("Fitch"), DBRS, Inc. ("DBRS") (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

ACC Underwriting Guidelines, Deephaven Wholesale Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, Loanstream One Guidelines, Loanstream Core Guidelines, CV3 Financial Services Underwriting Procedures, Kind Lending Non-Agency Program Guidelines (the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **16**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine whether
funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **16**

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each
received data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 134 mortgage loans, (ii) a Compliance Review on 134 mortgage loans (iii) a Valuation Review on 134 mortgage loans, and (iv) a Data Integrity Review on 134 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 134 mortgage loans; 112 mortgage loans had a rating grade of A, 22 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (134 overall loans):***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;41 | &nbsp;&nbsp;41 | &nbsp;&nbsp;30.60% | &nbsp;&nbsp;A | &nbsp;&nbsp;112 | &nbsp;&nbsp;112 | &nbsp;&nbsp;83.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;7.46% | &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;22 | &nbsp;&nbsp;16.42% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;22.39% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;39.55% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **16**

***Final Grades per loan broken out by compliance, credit and property:***

 ****

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES-<br> COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES-<br> COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;124 | &nbsp;&nbsp;124 | &nbsp;&nbsp;92.54% | &nbsp;&nbsp;A | &nbsp;&nbsp;121 | &nbsp;&nbsp;121 | &nbsp;&nbsp;90.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;7.46% | &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;9.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

 ****

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES -<br> PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES -<br> PROPERTY** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;130 | &nbsp;&nbsp;130 | &nbsp;&nbsp;97.01% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.99% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

 ****

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page **5** of **16**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **16**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **16**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations have
been addressed in the loan file;

&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 **16**

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm the materiality
and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Page **9** of **16**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&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) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&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.

Page **10** of **16**

&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;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <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;j) review for presence of mortgage loan originator
 organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan
 contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&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 completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

Page **11** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **16**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration<br>
Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

Page **13** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX Home Loan and High Cost Home Loan Act

Page **15** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;69. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI Responsible High Cost Mortgage Lending Act

Page **16** of **16**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are
not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily
licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal
reviews" for purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **17** of **16**

## Exhibit 99.8

**Exhibit 99.8 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxxx0434 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx8439 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxx7175 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx9718 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx9905 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx1288 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1288 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx1288 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx1288 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx0081 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| xxxxx9736 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6974 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx6974 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6974 |  |  | XXXX | XXXX | postConsummationCdDetailPage | XXXX | XXXX | XXXX |
| xxx0514 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxx0514 |  |  | XXXX | XXXX | hudClosingDetailPage | XXXX | XXXX | XXXX |
| xxxxx9921 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxx9921 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx0255 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx0255 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx0256 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx0256 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx6232 |  |  | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| xxxxxx9249 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| xxxxxx9249 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9249 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx9249 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4312 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx4312 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4312 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4837 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4837 |  |  | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| xxxxxx0287 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| xxxxxx0287 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx0287 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx0287 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx4699 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx3713 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx9127 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9127 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9127 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx9127 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxx1404 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6062 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx0933 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1350 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1350 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx0033 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx0033 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx0033 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx0033 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx0033 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx0033 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6353 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx6353 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx6353 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx2838 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx2838 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9919 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9919 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx9919 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3653 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3653 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx3653 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx3653 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx3653 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3838 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3838 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx3838 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx2883 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1648 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx1648 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx1648 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx1648 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx1648 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5195 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx5195 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx5195 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx5195 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx5195 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5195 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8651 |  |  | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| xxxxxx8651 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8651 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8651 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx8651 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx9053 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9053 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9053 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx9053 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx3074 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3074 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8971 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxx1560 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx1560 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx1560 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1665 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx1665 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx1665 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx1665 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1665 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3701 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3701 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx7780 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx7780 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx7780 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx4764 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4764 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx4764 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4764 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx3919 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3919 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4157 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4157 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx5039 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5039 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx5118 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5118 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5305 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5305 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx5305 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4664 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0300 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx2016 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx2886 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx1771 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2081 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx2081 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx2020 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxx2020 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7391 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6998 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6998 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6998 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7837 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx7837 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx7837 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx7837 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7837 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7837 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7503 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx7503 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx7503 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx7503 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxxxxx9819 |  | XXXX | XXXX A D |
| xxxxxx0434 |  | XXXX | XXXX A D |
| xxxxx8439 |  | XXXX | XXXX A D |
| xxxxx8495 |  | XXXX | XXXX A D |
| xxxxxx3265 |  | XXXX | XXXX B A |
| xxxxx9749 |  | XXXX | XXXX A D |
| xxxxx9813 |  | XXXX | XXXX A D B |
| xxxxx7175 |  | XXXX | XXXX B D A |
| xxxxx9703 |  | XXXX | XXXX A |
| xxxxx9726 |  | XXXX | XXXX B A |
| xxxxx9718 |  | XXXX | XXXX A D |
| xxxxx9905 |  | XXXX | XXXX C A B |
| xxxxx9939 |  | XXXX | XXXX C D A |
| xxxxx9888 |  | XXXX | XXXX A D |
| xxxxx9699 |  | XXXX | XXXX C A |
| xxxxx9794 |  | XXXX | XXXX A |
| xxxxxx1288 |  | XXXX | XXXX C A B |
| xxxxx9861 |  | XXXX | XXXX A |
| xxxxx9947 |  | XXXX | XXXX A |
| xxxxx9896 |  | XXXX | XXXX D A |
| xxxxx9929 |  | XXXX | XXXX A C |
| xxxxx9949 |  | XXXX | XXXX A |
| xxxxx0010 |  | XXXX | XXXX A |
| xxxxx9812 |  | XXXX | XXXX A D |
| xxxxx0047 |  | XXXX | XXXX D A |
| xxxxx0081 |  | XXXX | XXXX C A |
| xxxxx9712 |  | XXXX | XXXX D A |
| xxxxx9736 |  | XXXX | XXXX A D |
| xxxxxx6974 |  | XXXX | XXXX C A D |
| xxxxx9930 | xxxxx9930 | XXXX | XXXX B A |
| xxx0514 |  | XXXX | XXXX A D |
| xxxxxx1735 |  | XXXX | XXXX D A |
| xxxxx0049 |  | XXXX | XXXX A D |
| xxxxx0137 |  | XXXX | XXXX A |
| xxxxx9921 |  | XXXX | XXXX A |
| xxxxx9697 |  | XXXX | XXXX C A |
| xxxxxx0255 |  | XXXX | XXXX A |
| xxxxxx0256 |  | XXXX | XXXX A |
| xxxxxx6232 |  | XXXX | XXXX A D |
| xxxxx0157 |  | XXXX | XXXX D A |
| xxxxx0088 |  | XXXX | XXXX A |
| xxxxx0031 |  | XXXX | XXXX A |
| xxxxx0125 |  | XXXX | XXXX C D A |
| xxxxxx9249 |  | XXXX | XXXX A |
| xxxxxx4312 |  | XXXX | XXXX C D A B |
| xxxxx0179 |  | XXXX | XXXX A D |
| xxxxxx4736 |  | XXXX | XXXX A |
| xxxxx0023 |  | XXXX | XXXX B A |
| xxxxx0972 |  | XXXX | XXXX A D B |
| xxxxx0236 | xxxxx0236 | XXXX | XXXX A |
| xxxxxx4837 |  | XXXX | XXXX C B A |
| xxxxxx0287 |  | XXXX | XXXX A D |
| xxxxxx4699 |  | XXXX | XXXX D A |
| xxxxxx3713 |  | XXXX | XXXX C A |
| xxxxxx3234 |  | XXXX | XXXX C D A |
| xxxxx0302 |  | XXXX | XXXX A |
| xxxxxx9127 |  | XXXX | XXXX A |
| xxxxx1444 |  | XXXX | XXXX A |
| xxxxx1404 |  | XXXX | XXXX D A |
| xxxxxx6062 |  | XXXX | XXXX D A |
| xxxxxx8506 |  | XXXX | XXXX C A |
| xxxxxx0933 |  | XXXX | XXXX C A |
| xxxxx8316 |  | XXXX | XXXX A C |
| xxxxx1391 |  | XXXX | XXXX A |
| xxxxx1438 |  | XXXX | XXXX B A |
| xxxxx1452 |  | XXXX | XXXX A C B |
| xxxxx1483 |  | XXXX | XXXX A D |
| xxxxx1528 |  | XXXX | XXXX C A |
| xxxxx1459 |  | XXXX | XXXX A D |
| xxxxxx1350 |  | XXXX | XXXX D A |
| xxxxxx0033 |  | XXXX | XXXX C A |
| xxxxxx6353 |  | XXXX | XXXX C A D |
| xxxxx2801 |  | XXXX | XXXX A |
| xxxxx2838 |  | XXXX | XXXX A C |
| xxxxx1636 |  | XXXX | XXXX B C A |
| xxxxx1674 |  | XXXX | XXXX A D |
| xxxxx2824 |  | XXXX | XXXX A D |
| xxxxxx9919 |  | XXXX | XXXX C A D |
| xxxxxx3653 |  | XXXX | XXXX A |
| xxxxx2800 |  | XXXX | XXXX A |
| xxxxx1568 |  | XXXX | XXXX C A |
| xxxxx2870 |  | XXXX | XXXX A D |
| xxxxx1678 |  | XXXX | XXXX C D A B |
| xxxxx1372 |  | XXXX | XXXX D A |
| xxxxxx3838 |  | XXXX | XXXX A B |
| xxxxxx2883 |  | XXXX | XXXX A |
| xxxxxx1648 |  | XXXX | XXXX C A |
| xxxxxx5195 |  | XXXX | XXXX D B A |
| xxxxxx8651 |  | XXXX | XXXX C D A |
| xxxxxx9053 |  | XXXX | XXXX C A D |
| xxxxxx3074 |  | XXXX | XXXX D A |
| xxxxxx8971 |  | XXXX | XXXX D A |
| xxxxx1560 |  | XXXX | XXXX A |
| xxxxx1603 |  | XXXX | XXXX B A |
| xxxxxx1665 |  | XXXX | XXXX C A |
| xxxxxx3701 |  | XXXX | XXXX A |
| xxxxxx7780 |  | XXXX | XXXX C A |
| xxxxx1708 |  | XXXX | XXXX A |
| xxxxx2896 |  | XXXX | XXXX A |
| xxxxxx4764 |  | XXXX | XXXX B A |
| xxxxxx3919 |  | XXXX | XXXX A |
| xxxxxx4157 |  | XXXX | XXXX A |
| xxxxx1680 |  | XXXX | XXXX A |
| xxxxx2976 |  | XXXX | XXXX A |
| xxxxx2903 |  | XXXX | XXXX C A |
| xxxxx0261 |  | XXXX | XXXX A |
| xxxxx1705 |  | XXXX | XXXX A C B |
| xxxxx2789 |  | XXXX | XXXX C D A B |
| xxxxx2857 |  | XXXX | XXXX D A |
| xxxxxx5039 |  | XXXX | XXXX A |
| xxxxxx5118 |  | XXXX | XXXX A |
| xxxxxx5305 |  | XXXX | XXXX C A |
| xxxxxx4664 |  | XXXX | XXXX A |
| xxxxx2899 |  | XXXX | XXXX A D |
| xxxxx0300 |  | XXXX | XXXX A C |
| xxxxx2862 |  | XXXX | XXXX A C |
| xxxxx2974 |  | XXXX | XXXX A C |
| xxxxxx5174 |  | XXXX | XXXX A C |
| xxxxx2016 |  | XXXX | XXXX D B A |
| xxxxx2886 |  | XXXX | XXXX A |
| xxxxx2995 |  | XXXX | XXXX D A |
| xxxxx2993 |  | XXXX | XXXX B A |
| xxxxx1136 |  | XXXX | XXXX D A |
| xxxxx0123 |  | XXXX | XXXX A |
| xxxxxx1771 |  | XXXX | XXXX C A |
| xxxxx2854 |  | XXXX | XXXX D A |
| xxxxx2741 |  | XXXX | XXXX A |
| xxxxx2081 |  | XXXX | XXXX C A |
| xxxxx2020 |  | XXXX | XXXX A |
| xxxxxx4458 |  | XXXX | XXXX D C A |
| xxxxxx7391 |  | XXXX | XXXX A |
| xxxxxx6998 |  | XXXX | XXXX A C |
| xxxxxx7837 |  | XXXX | XXXX A |
| xxxxxx7503 |  | XXXX | XXXX A B |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | xxxxxx9819 |  |  | Closed | 2025-09-26 06:03 | 2025-10-07 17:23 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Corrected CD entered, XXXXXX re-run and result: XXXXXX automatically resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Correct CD provided - Seller-XX/XX/XXXX <br> Open-The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The XXXXX XX XXXXXXX XXX considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX XXX XXXX.XX(d)(X); XXX XX(c)(X)(ii)-X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Correct CD provided - Seller-XX/XX/XXXX<br>| Resolved-Corrected CD entered, XXXXXX re-run and result: XXXXXX automatically resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 5682312 | N/A | N/A |
| XXXX | xxxxxx9819 |  |  | Closed | 2025-09-26 06:03 | 2025-10-07 17:22 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 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, 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 XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 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, 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 XXXX guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-The loan's (X.XXX%) APR equals or exceeds the XXXXXXX XXXX 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 XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 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, 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 XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 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, 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 XXXX guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 5682313 | N/A | N/A |
| XXXX | xxxxxx9819 |  |  | Closed | 2025-09-18 22:32 | 2025-09-26 09:35 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-The Intent to Proceed was provided in Findings. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-XX/XX/XXXX <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed is missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The Intent to Proceed was provided in Findings. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX - XXXXXX XX XXXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 5595196 | N/A | N/A |
| XXXX | xxxxxx9819 |  |  | Closed | 2025-09-23 17:21 | 2025-09-26 09:34 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br> Open-The Homeownership Counseling Disclosure is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX - XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 5646031 | N/A | N/A |
| XXXX | xxxxxx9819 |  |  | Closed | 2025-09-23 00:04 | 2025-09-26 06:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial loan estimate document provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br> Open-Initial loan estimate within X days from closing is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Initial loan estimate document provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX - XXXXXXX XX.pdf |  |  | TX | Primary Residence | Purchase | NA | 5629436 | N/A | N/A |
| XXXX | xxxxxx9819 |  |  | Closed | 2025-09-18 22:55 | 2025-09-26 06:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br> Open-XXXX: Missing Closing Disclosure Initial Closing discloser is missing, hence didn't run xxxxxx. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| Resolved-Initial Closing Disclosure document provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX - XXXXXXX XX.pdf |  |  | TX | Primary Residence | Purchase | NA | 5595258 | N/A | N/A |
| XXXX | xxxxxx9819 |  |  | Closed | 2025-09-23 00:03 | 2025-09-26 05:52 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Notice to Home Loan Applicant | Resolved-Home loan tool kit provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br> Open-Home loan tool kit is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| Resolved-Home loan tool kit provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX - XXXX XXXX XXXX XXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 5629434 | N/A | N/A |
| XXXX | xxxxxx0434 |  |  | Closed | 2025-09-19 10:11 | 2025-10-03 16:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Revised LE dated X/X/XXXX received in Findings, entered, and XXXXXX re-run with a Pass. Resolved. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br> Ready for Review-Document Uploaded. X-XX LE uploaded. - XXXXX-X/X/XXXX <br> Counter-Unable to locate the referenced Loan Estimate sent on August XX, XXXX in the file. Upon receipt, we will re-run XXXXXX.&nbsp;&nbsp;&nbsp;&nbsp; <br> (There is a COC dated August XX, XXXX, in file and the XXXX documents that are in file include: the Initial Loan Estimate dated X/X/XX, the Initial CD dated X/X/XXXX, and the Final CD dated X/X/XXXX.) - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br> Ready for Review-Document Uploaded. Seller response uploaded for review. - XXXXX-X/X/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br> Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. We have lender credits under initial LE as -$X,XXX, under initial CD lender credits has been increased to $X. and under final CD we have credit fee variance is $X.XX and recording fees are increased $XX.X after XX% tolerance but we have lender credits in final CD as -$XX.XX only. we need COC for lender credits increased in initial CD. and need lender credits to adjust recording fees. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-X/X/XXXX |  | Resolved-Revised LE dated X/X/XXXX received in Findings, entered, and XXXXXX re-run with a Pass. Resolved. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br>Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-X/X/XXXX<br>| XXXXXXXXXX_XXXXXX XXXXXXXX.XXX<br>XXXXXXXXXX_XXXXXX XXXX XX XXXXXXX #X - XX_XX_XXXX XX_XX.XXX |  |  | TX | Primary Residence | Purchase | NA | 5603285 | N/A | N/A |
| XXXX | xxxxxx0434 |  |  | Closed | 2025-09-22 12:31 | 2025-10-03 16:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE dated X/X/XXXX received in Findings, entered, and XXXXXX re-run with a Pass. Resolved. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br> Ready for Review-Document Uploaded. X-XX LE uploaded. - XXXXX-X/X/XXXX <br> Counter-Unable to locate the referenced Loan Estimate sent on August XX, XXXX in the file. Upon receipt, we will re-run XXXXXX.&nbsp;&nbsp;&nbsp;&nbsp; <br> (There is a COC dated August XX, XXXX, in file and the XXXX documents that are in file include: the Initial Loan Estimate dated X/X/XX, the Initial CD dated X/X/XXXX, and the Final CD dated X/X/XXXX.) - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br> Ready for Review-Document Uploaded. Seller response uploaded for review. - XXXXX-X/X/XXXX <br> Open-XXXX: Missing Closing Disclosure There is a COC dated X/X/XXXX on p XXX & XXX but we did not locate a LE or CD that corresponded to that date. It addressed the Lock and some changes in fees. Provide the LE or CD that goes along with the X/X/XX COC. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX |  | Resolved-Revised LE dated X/X/XXXX received in Findings, entered, and XXXXXX re-run with a Pass. Resolved. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX<br>| XXXXXXXXXX_XXXXXX XXXXXXXX.XXX<br>XXXXXXXXXX_XXXXXX XXXX XX XXXXXXX #X - XX_XX_XXXX XX_XX.XXX |  |  | TX | Primary Residence | Purchase | NA | 5623031 | N/A | N/A |
| XXXX | xxxxx8439 |  |  | Closed | 2025-09-25 04:29 | 2025-09-30 23:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD along with COC's - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-X/X/XXXX <br> Open-XXXX: Missing Closing Disclosure Initial Closing disclosure missing in the file. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX | Ready for Review-Document Uploaded. - XXXXXX-X/X/XXXX<br>| Resolved-Received the initial CD along with COC's - XXX XXXXXXXXXX XXXXXX-X/X/XXXX<br>| XXXX XX.XXX |  |  | NJ | Primary Residence | Purchase | NA | 5666876 | N/A | N/A |
| XXXX | xxxxx8495 |  |  | Closed | 2025-10-22 03:47 | 2025-10-23 04:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received revised LE. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-X/X/XXXX <br> Open-Missing LE dated XX/XX/XXXX and related COC. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX | Ready for Review-Document Uploaded. - XXXXXX-X/X/XXXX<br>| Resolved-Resolved, received revised LE. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX<br>| XXXXX XX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5967827 | N/A | N/A |
| XXXX | xxxxxx3265 |  |  | Closed | 2025-10-15 01:59 | 2025-10-16 09:52 | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged-Per external counsel appropriate to acknowledge as a B grade. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan 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 closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Per external counsel appropriate to acknowledge as a B grade - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-X/X/XXXX |  | Acknowledged-Per external counsel appropriate to acknowledge as a B grade. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX<br>|  |  |  | NC | Primary Residence | Purchase | NA | 5897207 | Investor Post-Close | No |
| XXXX | xxxxxx3265 |  |  | Closed | 2025-10-15 03:16 | 2025-10-16 08:52 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception document available on page # XXXX approved for number of NSF charges over the most recent XX months totaling XX instances. Borrower LOE provided and several fee charges refunded by XXXX. Current balance in business account is $XX,XXX. Business account is not being used for asset qualifying. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX |  | Waived-Exception document available on page # XXXX approved for number of NSF charges over the most recent XX months totaling XX instances. Borrower LOE provided and several fee charges refunded by XXXX. Current balance in business account is $XX,XXX. Business account is not being used for asset qualifying. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX<br>|  |  | Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is X months.<br> Residual Income is $XXXX.XX. Minimum Residual Income required per guidelines is $XXXX.  | NC | Primary Residence | Purchase | NA | 5897513 | Originator Pre-Close | Yes |
| XXXX | xxxxxx3265 |  |  | Closed | 2025-10-15 01:59 | 2025-10-15 02:11 | 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 XXXX 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 XXXXXXXXXX X. 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. XXXX 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's IEAD and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX, . An interior and exterior appraisal was completed for this property – see pg# XX, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-X/X/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-X/X/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXXXXXXXXX X. 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. XXXX 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's IEAD and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX, . An interior and exterior appraisal was completed for this property – see pg# XX, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-X/X/XXXX<br>|  |  |  | NC | Primary Residence | Purchase | NA | 5897206 | N/A | N/A |
| XXXX | xxxxx9749 |  |  | Closed | 2025-10-21 12:00 | 2025-10-23 05:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated XX/X/XXXX and related COC received - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Provide Revised LE dated XX/X/XXXX and related COC - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Revised LE dated XX/X/XXXX and related COC received - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX.pdf |  |  | GA | Primary Residence | Purchase | NA | 5961549 | N/A | N/A |
| XXXX | xxxxx9749 |  |  | Closed | 2025-10-17 20:30 | 2025-10-23 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.XX%) 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 and the Final Closing disclosure on Pg#'s XXX 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, the appraisal disclosure was provided to the borrower(s)- see Pg# XXX, and copy of the appraisal was given to the borrower – see Pg#'s 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> Resolved-The loan's (X.XX%) 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 and the Final Closing disclosure on Pg#'s XXX 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, the appraisal disclosure was provided to the borrower(s)- see Pg# XXX, and copy of the appraisal was given to the borrower – see Pg#'s 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 |  | Resolved-The loan's (X.XX%) 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 and the Final Closing disclosure on Pg#'s XXX 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, the appraisal disclosure was provided to the borrower(s)- see Pg# XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XX%) 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 and the Final Closing disclosure on Pg#'s XXX 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, the appraisal disclosure was provided to the borrower(s)- see Pg# XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | GA | Primary Residence | Purchase | NA | 5939309 | N/A | N/A |
| XXXX | xxxxx9813 |  |  | Closed | 2025-10-21 10:24 | 2025-10-28 07:42 | Cured | 2 - Non-Material C B | Compliance | Mavent | NJ Fee Not Allowed- Title - Document Storage/Archive/Copies (Fee ID: 998) | Cured-Cured, received copy of post CD, Check, LOX, and FedEx label. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Open-. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Cure attached. - Seller-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Title - Document Storage/Archive/Copies (Fee ID: XXX) to be charged to the Borrower in NJ. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cure attached. - Seller-XX/XX/XXXX<br>| Cured-Cured, received copy of post CD, Check, LOX, and FedEx label. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| Check - XXXXXXXXX.pdf<br>LOX - XXXXXXXXX.pdf<br>PCCD - XXXXXXXXX.pdf<br>FedEx - XXXXXXXXX.pdf |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5960025 | N/A | N/A |
| XXXX | xxxxx9813 |  |  | Closed | 2025-10-21 10:52 | 2025-10-23 06:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received all CD's and COC's. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing the revised closing disclosures dated XX/XX/XXXX and two for XX/XX/XXXX with any coinciding COC's. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received all CD's and COC's. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XX X.pdf<br>XXXXXX XX.pdf<br>XXXXXX XX X.pdf<br>XXXXXX XX.pdf<br>XXXXXX XX.pdf<br>XXXXXX XX X.pdf |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5960453 | N/A | N/A |
| XXXX | xxxxx9813 |  |  | Closed | 2025-10-21 10:34 | 2025-10-23 06:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received revised LE. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Missing LE's dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received revised LE. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XX.pdf<br>XXXXXX XX X.pdf<br>XXXXXX XX X.pdf<br>XXXXXX XX.pdf<br>XXXXXX XX.pdf<br>XXXXXX XX X.pdf |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5960176 | N/A | N/A |
| XXXX | xxxxx7175 |  |  | Closed | 2025-11-03 05:46 | 2025-12-02 12:26 | Cured | 2 - Non-Material C B | Compliance | Mavent | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Cured-Cured. PCCD received. Refunds to borrower iao $XXX.XX - Due Diligence Vendor-XX/XX/XXXX <br> Cured-Cured. PCCD received. Refunds to borrower iao $XXX.XX - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Resolved. PCCD received - 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-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Document Preparation Fee (Fee ID: XXX) to be charged to the Borrower in NJ. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Cure attached. - Seller-XX/XX/XXXX <br> Open-Document Uploaded. Per Compliance Department, a refund with copy of Check in the amount of $XXX.XX, PCCD, LOE, and Proof of delivery will need to be provided. - Due Diligence Vendor-XX/XX/XXXX <br> Open-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Document Preparation Fee (Fee ID: XXX) to be charged to the Borrower in NJ. See Section C of the Final CD Title- Document Preparation Fees iao $XX.XX and Preparation of Notice of iao $XX.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. Cure attached. - Seller-XX/XX/XXXX<br>| Cured-Cured. PCCD received. Refunds to borrower iao $XXX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Cured-Cured. PCCD received. Refunds to borrower iao $XXX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. PCCD received - Due Diligence Vendor-XX/XX/XXXX<br>| PictureX.png<br>Check - XXXXXXXXX.pdf<br>Check - XXXXXXXXX.pdf<br>PCCD - XXXXXXXXX.pdf<br>PCCD - XXXXXXXXX.pdf<br>FedEx - XXXXXXXXX.pdf<br>FedEx - XXXXXXXXX.pdf<br>LOX - XXXXXXXXX.pdf<br>LOX - XXXXXXXXX.pdf |  |  | NJ | Primary Residence | Purchase | NA | 6095548 | N/A | N/A |
| XXXX | xxxxx7175 |  |  | Closed | 2025-10-31 08:41 | 2025-11-03 06:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated XX/XX/XXXX and related COC received - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Revised LE dated XX/XX/XXXX and related COC - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Revised LE dated XX/XX/XXXX and related COC received - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XX X.pdf |  |  | NJ | Primary Residence | Purchase | NA | 6082068 | N/A | N/A |
| XXXX | xxxxx7175 |  |  | Closed | 2025-11-03 05:46 | 2025-11-03 06:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved- - 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: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 6095549 | N/A | N/A |
| XXXX | xxxxx7175 |  |  | Closed | 2025-10-30 02:50 | 2025-11-03 04:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD Provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-XXXX: Missing Closing Disclosure Provide Initial Closing Disclosure dated XX/X/XXXX, Revised CD dated XX/XX/XXXX and related COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested Initial CD Provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX XX.xxx<br>XXXXXXXX XX XX.xxx |  |  | NJ | Primary Residence | Purchase | NA | 6063035 | N/A | N/A |
| XXXX | xxxxx7175 |  |  | Closed | 2025-10-30 07:13 | 2025-10-31 08:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception page XXX<br> Exception Reason: Reserves - Loan File X.XX months, GL Requirement - Min X months + X months= X months<br> Require X mos reserves (additional X mos due to no lease and using market rent income for the subject property)<br> Client elects to waive with the following compensating factors. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception page XXX<br> Exception Reason: Reserves - Loan File X.XX months, GL Requirement - Min X months + X months= X months<br> Require X mos reserves (additional X mos due to no lease and using market rent income for the subject property)<br> Client elects to waive with the following compensating factors. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | Credit Score is XXX. Minimum required per guidelines is XXX.<br> Residual Income is $XX,XXX.XX. Minimum Residual Income required per guidelines is $XXXX. <br> Housing History is XXXX, XX months. Housing History required per guidelines is XXXX, XX months. | NJ | Primary Residence | Purchase | NA | 6065516 | Originator Pre-Close | Yes |
| XXXX | xxxxx9703 |  |  | Closed | 2025-10-31 03:13 | 2025-10-31 11:43 | 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 XXXX 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)) XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX 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 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 The loan meets XXXX guidelines." <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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)) XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX 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 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 The loan meets XXXX guidelines." <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6078651 | N/A | N/A |
| XXXX | xxxxx9726 |  |  | Closed | 2025-10-30 04:20 | 2025-10-30 12:48 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Client elects to waive with the following compensating factors:<br> Exception is Provided page XXX, Exception For X months reserves required and borrower only has X months reserves, - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Client elects to waive with the following compensating factors:<br> Exception is Provided page XXX, Exception For X months reserves required and borrower only has X months reserves, - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | DTI is XX.XX%. Maximum allowed per guidelines is XX%.<br> Credit Score is XXX. Minimum required per guidelines is XXX.<br> Residual Income is $XXXX.XX. Minimum Residual Income required per guidelines is $XXXX. <br>| VA | Primary Residence | Purchase | NA | 6063474 | Originator Pre-Close | Yes |
| XXXX | xxxxx9726 |  |  | Closed | 2025-10-29 10:15 | 2025-10-31 05:52 | 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 XXXX 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 XXXXXXXXXX X. 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. XXXX 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, 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, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXXXXXXXXX X. 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. XXXX 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, 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, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | VA | Primary Residence | Purchase | NA | 6054434 | N/A | N/A |
| XXXX | xxxxx9718 |  |  | Closed | 2025-10-28 12:56 | 2025-10-30 05:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated XX/XX/XXXX and COC received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Provide Revised LE dated XX/XX/XXXX and related COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Revised LE dated XX/XX/XXXX and COC received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XX.xxx |  |  | NC | Primary Residence | Purchase | NA | 6042058 | N/A | N/A |
| XXXX | xxxxx9718 |  |  | Closed | 2025-10-27 22:59 | 2025-10-30 05:10 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved. Revised LE dated XX/XX/XXXX and COC received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-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: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide COC for the increase in Broker fees. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Revised LE dated XX/XX/XXXX and COC received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XX.pdf |  |  | NC | Primary Residence | Purchase | NA | 6031682 | N/A | N/A |
| XXXX | xxxxx9905 |  |  | Closed | 2025-11-06 09:40 | 2025-11-07 08:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception on page XXX<br> Exception Reason: Reserves- Loan File X.X months , GL Requirement Min X months<br> Client elects to waive with the following compensating factors - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-XXX approves exception. Ok to proceed. - Seller-XX/XX/XXXX <br> Open-Audited Reserves of X.X month(s) are less than Guideline Required Reserves of X month(s) Provide updated Exception with Residual Income Min iao $X,XXX not $XX,XXX<br> Exception page XXX. <br> Exception Reason: Reserves- Loan File X.X months , GL Requirement Min X months<br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-XXX approves exception. Ok to proceed. - Seller-XX/XX/XXXX<br>| Waived-Exception on page XXX<br> Exception Reason: Reserves- Loan File X.X months , GL Requirement Min X months<br> Client elects to waive with the following compensating factors - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | Residual Income- Loan File $XXXX.XX, GL Requirement Min $X,XXX<br> Borrower Contribution- Loan File XX%, GL Requirement X% of Sale Price<br> Housing Payment History- Loan File XxXXxXX months, GL Requirement XxXXxX months<br> Job Stability- Loan File Same Employer since XXXX, GL Requirement X year employment | UT | Primary Residence | Purchase | NA | 6156390 | Originator Pre-Close | Yes |
| XXXX | xxxxx9905 |  |  | Closed | 2025-11-06 10:52 | 2025-11-07 08:40 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Resolved. Master PUD Policy for Townhouse community with XXX% Replacement Cost received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Provide Master PUD Policy for Townhouse community - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Master PUD Policy for Townhouse community with XXX% Replacement Cost received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX documents.pdf |  |  | UT | Primary Residence | Purchase | NA | 6157996 | N/A | N/A |
| XXXX | xxxxx9905 |  |  | Closed | 2025-11-06 06:42 | 2025-11-06 11:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) 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 and the Final Closing disclosure on Pg#'s XXX 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 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX-XXX. The loan meets HPML guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XX%) 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 and the Final Closing disclosure on Pg#'s XXX 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 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX-XXX. The loan meets HPML guidelines<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | UT | Primary Residence | Purchase | NA | 6151708 | N/A | N/A |
| XXXX | xxxxx9939 |  |  | Closed | 2025-11-06 10:51 | 2025-11-12 05:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved, received initial closing disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-Document Uploaded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-Counter, received loan estimate dated XX/XX/XXXX. Missing initial closing disclosure, disclosure tracking summary, and change of circumstance in applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received initial closing disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XX.pdf<br>XXXXX XX.pdf<br>XXXXX XXXXXXXX.pdf<br>XXXXX XX.pdf<br>XXXXX XX.pdf |  |  | VA | Primary Residence | Purchase | NA | 6157959 | N/A | N/A |
| XXXX | xxxxx9939 |  |  | Closed | 2025-11-06 10:25 | 2025-11-11 02:40 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Resolved, received HOI declaration page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>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 - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX which is after the Note date XX-XX-XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received HOI declaration page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>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 - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXX.pdf |  |  | VA | Primary Residence | Purchase | NA | 6157420 | N/A | N/A |
| XXXX | xxxxx9888 |  |  | Closed | 2025-11-07 08:13 | 2025-11-11 02:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved, received initial and revised closing disclosure with COC's. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure and change of circumstance if applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received initial and revised closing disclosure with COC's. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XX.pdf |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6170259 | N/A | N/A |
| XXXX | xxxxx9699 |  |  | Closed | 2025-11-05 08:21 | 2025-11-06 04:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Resolved, received supplemental report with corrected loan amount. - 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 supplement in file is for $XXX,XXX.XX. Missing supplemental for the new loan amount of $XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received supplemental report with corrected loan amount. - 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>| XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6132257 | N/A | N/A |
| XXXX | xxxxx9794 |  |  | Closed | 2025-11-02 04:47 | 2025-11-03 13:19 | 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#'sXXX ____ and the Final Closing disclosure on Pg#'sXXX ____ reflects escrows. Rate lock date was entered correctly – see Pg#'sXXXs _____ An interior and exterior appraisal was completed for this property – see pg XX to XX____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX___ , and copy of the appraisal was given to the borrower – see Pg#'sXX _____ for the copy of the disclosure. The loan meets HPML guideline - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | 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#'sXXX ____ and the Final Closing disclosure on Pg#'sXXX ____ reflects escrows. Rate lock date was entered correctly – see Pg#'sXXXs _____ An interior and exterior appraisal was completed for this property – see pg XX to XX____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX___ , and copy of the appraisal was given to the borrower – see Pg#'sXX _____ for the copy of the disclosure. The loan meets HPML guideline - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6091791 | N/A | N/A |
| XXXX | xxxxxx1288 |  |  | Closed | 2025-11-02 23:33 | 2025-12-16 11:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see the attached exception - Seller-XX/XX/XXXX <br> Counter-As per the guidelines regarding appraisal variance , loans over X million require X full appraisals the lower of the X values is used in the credit decision. Formal exception required. - Due Diligence Vendor-XX/XX/XXXX <br> Open-Per GL, the appraisal review tolerance section on page XXX states the following - If the review product value is more than XX% below the appraised value, the lower of the two values must <br> be used. If the tolerance is exceeded, the Broker or XXXXXXXXX may choose to order an additional review <br> product of a higher-level review. The original appraised value may then be used if the additional review <br> product value is within XX% of the appraised value. If the variance is greater than XX%, a second full appraisal <br> is required. <br> If two appraisals are required, the LOWER of the two values or the purchase price must be used. <br>We need to understand why you used the HIGHER of the X values. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. two appraisal was done one by XXXX XXXXXXXXX at XXXXX XXXXXXXX, and the other by XXXXXXXX X. XXXXX. Please clear findings we have two appraisal by two different appraiser in the file. - Seller-XX/XX/XXXX <br> Open-Here is an excerpt from the details you provided "Ÿ Second Full Appraisal (appraisals must be completed by different, independent appraisers and the lower of the two appraised values used to determine value)." We need to understand why you used the higher value after the GL provided shows the lower should be used. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-XX.X.X APPRAISAL REVIEW PROCESS<br> The Appraisal Review Process requires a secondary appraisal product to support the appraised value for<br> the transaction. Acceptable review products include:<br> Ÿ XXXXX XXXXXXX AVM with acceptable forecast standard deviation (FSD) score and confidence rating.<br> o Acceptable confidence ratings are ≥ XX% and acceptable FSD scores are ≤ X.XX.<br> o AVMs must include property condition report or comparable report.<br> o Note: If the AVM does not provide the required FSD score or confidence rating, AVM is<br> considered ineligible, and an Exterior-Only or Full Interior Appraisal is required.<br> Ÿ XXXXX XXXXXXX CDA or like product<br> Ÿ XXXX Collateral Underwriter/XXXXX Loan Collateral Advisor Review with a score of X.X or less<br> (must include a copy of the Submission Summary Report).<br> Ÿ Field Review<br> Ÿ Second Full Appraisal (appraisals must be completed by different, independent appraisers and the<br> lower of the two appraised values used to determine value).<br> The following transactions require a XXXXX XXXXXXX CDA, Field Review, or XXXX Collateral Underwriter/<br> XXXXX Loan Collateral Advisor Review w/score of X.X or less (must include a copy of the Submission<br> Summary Report):<br> Ÿ LTV > XX%<br> Ÿ Cashout transactions using the appraised value when subject property was acquired ≥ X but < XX<br> months from note date<br> Ÿ All transactions under the DSCR Program<br> The following transactions require a Xnd full appraisal:<br> Ÿ Loan amounts > $X,XXX,XXX<br> Ÿ Flip transactions (see X.X Flip Transactions for specific requirements)<br> XXXXXXXXX reserves the right to request additional appraisal products at their discretion based on review<br> of the appraisal and loan file. - Seller-XX/XX/XXXX <br> Ready for Review-The issue of LTV centers around the appraised value used to qualify the loan. No documentation is given for usage of higher appraised value used in LTV calculation. Confirm reasoning for using higher value instead of conservative approach. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see screen shot of this is allow at XX% ltv - Seller-XX/XX/XXXX <br> Open-Audited LTV Exceeds Guideline LTV Considered appraisal with lower Appraised value of $X,XXX,XXX following conservative approach for LTV Calculation as no documentation is given for usage of higher appraised value used in LTV calculation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached exception - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. two appraisal was done one by XXXX XXXXXXXXX at XXXXX XXXXXXXX, and the other by XXXXXXXX X. XXXXX. Please clear findings we have two appraisal by two different appraiser in the file. - Seller-XX/XX/XXXX <br>Ready for Review-XX.X.X APPRAISAL REVIEW PROCESS<br> The Appraisal Review Process requires a secondary appraisal product to support the appraised value for<br> the transaction. Acceptable review products include:<br> Ÿ XXXXX XXXXXXX AVM with acceptable forecast standard deviation (FSD) score and confidence rating.<br> o Acceptable confidence ratings are ≥ XX% and acceptable FSD scores are ≤ X.XX.<br> o AVMs must include property condition report or comparable report.<br> o Note: If the AVM does not provide the required FSD score or confidence rating, AVM is<br> considered ineligible, and an Exterior-Only or Full Interior Appraisal is required.<br> Ÿ XXXXX XXXXXXX CDA or like product<br> Ÿ XXXX Collateral Underwriter/XXXXX Loan Collateral Advisor Review with a score of X.X or less<br> (must include a copy of the Submission Summary Report).<br> Ÿ Field Review<br> Ÿ Second Full Appraisal (appraisals must be completed by different, independent appraisers and the<br> lower of the two appraised values used to determine value).<br> The following transactions require a XXXXX XXXXXXX CDA, Field Review, or XXXX Collateral Underwriter/<br> XXXXX Loan Collateral Advisor Review w/score of X.X or less (must include a copy of the Submission<br> Summary Report):<br> Ÿ LTV > XX%<br> Ÿ Cashout transactions using the appraised value when subject property was acquired ≥ X but < XX<br> months from note date<br> Ÿ All transactions under the DSCR Program<br> The following transactions require a Xnd full appraisal:<br> Ÿ Loan amounts > $X,XXX,XXX<br> Ÿ Flip transactions (see X.X Flip Transactions for specific requirements)<br> XXXXXXXXX reserves the right to request additional appraisal products at their discretion based on review<br> of the appraisal and loan file. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see screen shot of this is allow at XX% ltv - Seller-XX/XX/XXXX<br>| Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXXXX XXXXXXXX_XXXXXXXX.pdf<br>XXX XXXXXXXX XXXXXXXX_XXXXXXXX.pdf<br>XXXXXXXXXX XXXXX-XXXXXX XXXXXXXX (XXXX) and XXX (XXXX or XXXXXXXXX) XX XX XXXXXXXX.pdf<br>XXXXXXXXXX XXXXX-XXXXXX XXXXXXXX (XXXX) and XXX (XXXX or XXXXXXXXX) XX XX XXXXXXXX.pdf<br>XXXXXXXXXXXX.pdf<br>XXXXXXXXXX XXXXXXXXX.pdf |  | XXX FICO<br> XX% DTI, Max is XX% | CA | Investment | Refinance | Cash Out - Other | 6093611 | Originator Post-Close | Yes |
| XXXX | xxxxxx1288 |  |  | Closed | 2025-11-03 00:16 | 2025-11-14 17:05 | Waived | 2 - Non-Material C B | Property | Appraisal | Collateral Documentation | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see the attached - Buyer-XX/XX/XXXX <br> Open-Exception on page XXXX for multiple buildings on a single lot is approved. Legally zoned, recognized by the county as a multi-unit property and common for the area - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXXXX.pdf |  | DTI is XX.XX%. Maximum allowed per guidelines is XX%.<br> Borrower(s) have XX.XX months Reserves. Minimum required per guidelines is XX months.<br> Residual Income is $XXXXX.XX. Minimum Residual Income required per guidelines is $XXXX.  | CA | Investment | Refinance | Cash Out - Other | 6093795 | Originator Pre-Close | Yes |
| XXXX | xxxxx9861 |  |  | Closed | 2025-11-03 23:37 | 2025-11-05 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#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX-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#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | 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 and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX-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#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6109540 | N/A | N/A |
| XXXX | xxxxx9861 |  |  | Closed | 2025-11-03 23:37 | 2025-11-05 09:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX 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%).(Xal. 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#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX-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#'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 |  | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX 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%).(Xal. 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#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX-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#'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>|  |  |  | CA | Primary Residence | Purchase | NA | 6109541 | N/A | N/A |
| XXXX | xxxxx9896 |  |  | Closed | 2025-11-11 09:48 | 2025-11-19 03:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved, received the XX/XX/XXXX closing disclosure. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Resolved, received the XX/XX/XXXX closing disclosure. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-Counter upload on XX/XX/XXXX is CD dated XX/XX/XXXX. Missing CD dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-Counter, received CD dated XX/XX/XXXX. Missing CD dated XX/XX/XXXX with coinciding change of circumstance if applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-TRID: Missing Closing Disclosure Missing closing disclosures dated XX/XX/XXXX and XX/XX/XXXX with coinciding change of circumstances if applicable. - 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>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received the XX/XX/XXXX closing disclosure. - Due Diligence Vendor-XX/XX/XXXX<br>| XX XX XX.pdf<br>XX XX XX.pdf<br>XXXXXXXX XX XX.pdf<br>XX XXXXXX.pdf |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 6209498 | N/A | N/A |
| XXXX | xxxxx9896 |  |  | Closed | 2025-11-09 22:00 | 2025-11-18 04:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Resolved, received executed XXXX. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Resolved, received borrower X final XXXX. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Borrower X Executed XXXX-T provided. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Executed XXXX-T Missing Missing borrower X's initial XXXX. Final XXXX in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received executed XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved, received borrower X final XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-T provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXX |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 6187993 | N/A | N/A |
| XXXX | xxxxx9896 |  |  | Closed | 2025-11-11 09:43 | 2025-11-18 04:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-Counter, final received has co borrowers name on it. Missing Mr. borrower one. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX <br> Counter-Counter received initial signed at application. Missing final XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Executed XXXX-T Missing Missing final XXXX signed at closing. Initial XXXX in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXXXXX<br>XXXXXXXXXXXXXXXX<br>XXXXXXXXXXXXXXXXXXXXXXXXX |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 6209396 | N/A | N/A |
| XXXX | xxxxx9896 |  |  | Closed | 2025-11-09 23:47 | 2025-11-19 03:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved, The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 and the Final Closing disclosure on Pg#'s XX, 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, 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 XXXX guidelines, resolved. - 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 XXXX 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 XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 and the Final Closing disclosure on Pg#'s XX, 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, 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 XXXX 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 |  | Resolved-Resolved, The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 and the Final Closing disclosure on Pg#'s XX, 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, 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 XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 and the Final Closing disclosure on Pg#'s XX, 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, 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 XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 6188494 | N/A | N/A |
| XXXX | xxxxx9929 |  |  | Closed | 2025-11-08 04:28 | 2025-11-12 05:55 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved. Initial CD received. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-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 XXXXXXXXXX X, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX XXX XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) Provide Initial CD and related COC - 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. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Initial CD received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXX |  |  | CA | Primary Residence | Purchase | NA | 6182643 | N/A | N/A |
| XXXX | xxxxx9929 |  |  | Closed | 2025-11-08 04:28 | 2025-11-12 05:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX 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 XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 the Final Closing disclosure on Pg#XXX s, Finding 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 and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX 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 XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 the Final Closing disclosure on Pg#XXX s, Finding 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 and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6182639 | N/A | N/A |
| XXXX | xxxxx9929 |  |  | Closed | 2025-11-08 04:28 | 2025-11-12 05:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XX%) equals or exceeds the California XXXX 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%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 the Final Closing disclosure on Pg#XXX s, Finding 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 and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XX%) equals or exceeds the California XXXX 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%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 the Final Closing disclosure on Pg#XXX s, Finding 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 and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6182641 | N/A | N/A |
| XXXX | xxxxx0010 |  |  | Closed | 2025-11-06 12:15 | 2025-11-07 12:50 | 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 XXXX 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 XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 the Final Closing disclosure on Pg# XXX s, Finding 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 and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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 the Final Closing disclosure on Pg# XXX s, Finding 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 and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | GA | Primary Residence | Purchase | NA | 6159628 | N/A | N/A |
| XXXX | xxxxx9812 |  |  | Closed | 2025-11-17 13:58 | 2025-11-20 05:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved. Revised CD's dated XX/X/XXXX, XX/XX/XXXX and related COC's received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-TRID: Missing Closing Disclosure Provide Revised CD's dated XX/X/XXXX, XX/XX/XXXX and related COC's - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Revised CD's dated XX/X/XXXX, XX/XX/XXXX and related COC's received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX XX XX XX.XXX<br>XXXXXX XX XX XX.XXX<br>XXXXXX XX X XX.XXX |  |  | AL | Primary Residence | Purchase | NA | 6279837 | N/A | N/A |
| XXXX | xxxxx9812 |  |  | Closed | 2025-11-13 21:45 | 2025-11-20 05:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved. Revised CD and COC revised - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-See uploaded items on other condition. - 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: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). From Initial CD (XX/XX/XXXX) to Final CD (XX/XX/XXXX) Points - Loan Discount Fee increased $XXX. Provide COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-See uploaded items on other condition. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Revised CD and COC revised - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | AL | Primary Residence | Purchase | NA | 6247843 | N/A | N/A |
| XXXX | xxxxx9812 |  |  | Closed | 2025-11-13 21:45 | 2025-11-20 05:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - XXX XXXXXXXXXX XXXXXX-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 waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX 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 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 The loan meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | 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 waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX 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 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 The loan meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | AL | Primary Residence | Purchase | NA | 6247841 | N/A | N/A |
| XXXX | xxxxx0047 |  |  | Closed | 2025-11-13 02:43 | 2025-11-13 05:54 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-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 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, 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, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the Maryland Higher-Priced Mortgage 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%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(X)(i)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-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 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, 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, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Purchase | NA | 6233801 | N/A | N/A |
| XXXX | xxxxx0047 |  |  | Closed | 2025-11-13 02:43 | 2025-11-13 05:54 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-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 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, 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, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-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)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-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 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, 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, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Purchase | NA | 6233802 | N/A | N/A |
| XXXX | xxxxx0047 |  |  | Closed | 2025-11-12 11:19 | 2025-11-13 05:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated XX/XX/XXXX and related COC received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provide Revised LE dated XX/XX/XXXX and related COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Revised LE dated XX/XX/XXXX and related COC received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XX.XXX |  |  | MD | Primary Residence | Purchase | NA | 6226649 | N/A | N/A |
| XXXX | xxxxx0047 |  |  | Closed | 2025-11-11 23:28 | 2025-11-13 02:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide Initial CD dated XX/XX/XXXX and related COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Initial Closing Disclosure document provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XX.XXX |  |  | MD | Primary Residence | Purchase | NA | 6218570 | N/A | N/A |
| XXXX | xxxxx0047 |  |  | Closed | 2025-11-11 22:42 | 2025-11-13 00:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-HOA Questionnaire document provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-HOA Questionnaire is Missing or Partial. Provide Condo Questionnaire. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-HOA Questionnaire document provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXX.pdf |  |  | MD | Primary Residence | Purchase | NA | 6218431 | N/A | N/A |
| XXXX | xxxxx0081 |  |  | Closed | 2025-11-16 23:40 | 2025-11-20 03:06 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested updated XXXX with updated fico that is matching with credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXX' but as per credit report Qualifying FICO is XXX. Borrower has X credit scores. Qualifying FICO Method is Primary Wage Earner Mid Score which is XXX. Confirm and provide supporting documentation for the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested updated XXXX with updated fico that is matching with credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXX.pdf |  |  | VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6267099 | N/A | N/A |
| XXXX | xxxxx9712 |  |  | Closed | 2025-11-07 12:15 | 2025-11-11 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Resolved, received third party fraud report. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received third party fraud report. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXX.pdf |  |  | CT | Primary Residence | Purchase | NA | 6176332 | N/A | N/A |
| XXXX | xxxxx9736 |  |  | Closed | 2025-11-12 04:05 | 2025-11-13 08:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved, received initial closing disclosure (CD) dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Counter, received LE. Missing initial closing disclosure (CD) dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-XXXX: Missing Closing Disclosure Initial CD is missing in file, hence C.E not tested - Due Diligence Vendor-XX/XX/XXXX | CD uploaded - XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received initial closing disclosure (CD) dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XX.pdf<br>XXXXXXXX XX.pdf<br>XX XXXXXXXX.pdf |  |  | MD | Primary Residence | Purchase | NA | 6219757 | N/A | N/A |
| XXXX | xxxxx9736 |  |  | Closed | 2025-11-13 08:09 | 2025-11-13 08:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XX, XX. The loan meets XXXX 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 XXXX 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)) Resolved, 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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XX, XX. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XX, XX. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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)) Resolved, 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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XX, XX. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Purchase | NA | 6237566 | N/A | N/A |
| XXXX | xxxxxx6974 |  |  | Closed | 2025-11-06 02:43 | 2025-11-11 11:03 | 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. - 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 cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6149683 | N/A | N/A |
| XXXX | xxxxxx6974 |  |  | Closed | 2025-11-06 02:19 | 2025-11-10 01:00 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXXXXX SSR with acceptable score provided.<br> - 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. XXXXXXX 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 File needs a XXXX or XXXXX UCDP/SSR report with a score 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 SSR - Seller-XX/XX/XXXX<br>| Resolved-XXXXXXX SSR with acceptable score provided.<br> - 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>| XXXX-XXXX XXXXXXX XXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6149564 | N/A | N/A |
| XXXX | xxxxx9930 | 162509930 |  | Closed | 2025-11-14 02:53 | 2025-11-17 08:31 | Waived | 2 - Non-Material B | Property | Property | Property Type does not meet eligibility requirement(s) | Waived-Exception page XXX <br> Exception Reason: Subject Property - Loan File Rural Property, XX XXXXXXXXXXX - Rural Properties are not eligible<br> Client elects to waive with the following compensating factors - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Exception page XXX <br> Exception Reason: Subject Property - Loan File Rural Property, XX XXXXXXXXXXX - Rural Properties are not eligible<br> Client elects to waive with the following compensating factors - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | DSCR - Loan File X.XXX., XX XXXXXXXXXXX X.X<br> Borrower Contribution- Loan File XX%, XX XXXXXXXXXXX XX% of sales price<br> Consumer Payment History is 0XXXx XX months, XX XXXXXXXXXXX Not Considered<br> Investor Experience- X additional REO Property, XX XXXXXXXXXXX Not required<br>| NC | Investment | Purchase | NA | 6249158 | Originator Pre-Close | Yes |
| XXXX | xxxxx9930 | 162509930 |  | Closed | 2025-11-17 07:43 | 2025-11-17 07:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception page XXX<br> Exception Reason: Other- Loan File Pays rent in cash, XX XXXXXXXXXXX XXmos cancelled checks required.<br> Client elects to waive with the following compensating factors<br> VOR 0xXXXxXX, borrower unable to provide XXmos cancelled checks - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Exception page XXX<br> Exception Reason: Other- Loan File Pays rent in cash, XX XXXXXXXXXXX XXmos cancelled checks required.<br> Client elects to waive with the following compensating factors<br> VOR 0xXXXxXX, borrower unable to provide XXmos cancelled checks - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | DSCR - Loan File X.XXX., XX XXXXXXXXXXX X.X<br> Borrower Contribution- Loan File XX%, XX XXXXXXXXXXX XX% of sales price<br> Consumer Payment History is 0XXXx XX months, XX XXXXXXXXXXX Not Considered<br> Investor Experience- X additional REO Property, XX XXXXXXXXXXX Not required | NC | Investment | Purchase | NA | 6271017 | Originator Pre-Close | Yes |
| XXXX | xxx0514 |  |  | Closed | 2025-11-09 09:26 | 2025-11-13 05:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final Settlement statement is missing in file, Provided the same, changes made in system, Finding Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Final Settlement Statement Document on page #XXX is estimated settlement statement. Provide Final HUD-X or Final Settlement Statement . Taxes for the year XXXX are delinquent in title report on page #XXX for $X,XXX.XX, $X,XXX.XX and $XX,XXX.XX. Final HUD to show past due taxes are paid in full. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final Settlement statement is missing in file, Provided the same, changes made in system, Finding Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_XXXXXX_XXXXX_XXX_XXXXXXX.XXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 6186433 | N/A | N/A |
| XXXX | xxxxxx1735 |  |  | Closed | 2025-11-07 04:50 | 2025-12-06 16:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Rate lock LE provided and updated to loan review. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-LE provided is not locked. Missing rate lock LE. (Requested XX/XX/XX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Initial Loan Estimate (and revised LE with COC forms if applicable) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Rate lock LE provided and updated to loan review. Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XX.XXX<br>XXXX XX.XXX |  |  | FL | Primary Residence | Purchase | NA | 6167645 | N/A | N/A |
| XXXX | xxxxxx1735 |  |  | Closed | 2025-11-14 17:11 | 2025-12-06 16:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Missing loan toolkit (requested XX/XX/XX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing HCO list and home loan toolkit - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX - XXXXXXXXX XXXXXXXXXX XXXXXX.XXX<br>XXXXXXXXXX - XXXX XXXX XXXX XXXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 6261754 | N/A | N/A |
| XXXX | xxxxxx1735 |  |  | Closed | 2025-11-07 04:56 | 2025-12-02 18:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD updated to review. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing Initial CD(and revised CDs with COC forms if applicable) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Initial CD updated to review. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XX.XXX |  |  | FL | Primary Residence | Purchase | NA | 6167717 | N/A | N/A |
| XXXX | xxxxxx1735 |  |  | Closed | 2025-11-07 04:45 | 2025-12-02 13:34 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided and updated to disclosure page, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-ITP provided and updated to disclosure page, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX.XXX |  |  | FL | Primary Residence | Purchase | NA | 6167597 | N/A | N/A |
| XXXX | xxxxxx1735 |  |  | Closed | 2025-11-07 03:23 | 2025-12-02 03:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Missing Xrd Party VOE or CPA Letter dated within XX business days of close - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6166940 | N/A | N/A |
| XXXX | xxxxxx1735 |  |  | Closed | 2025-11-07 03:52 | 2025-12-02 03:27 | Resolved | 1 - Information D A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-XXXXD Completion Report provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXXD Completion Report is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-XXXXD Completion Report is Missing Missing XXXXD. Appraisal is subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-XXXXD Completion Report provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-XXXXD Completion Report is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX XXXXXXXX - XXXXXXXXX - XXXXX XXXXXXXXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6167135 | N/A | N/A |
| XXXX | xxxxxx1735 |  |  | Closed | 2025-11-07 04:55 | 2025-12-02 00:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider List provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing Service Provider List - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Service Provider List provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6167692 | N/A | N/A |
| XXXX | xxxxx0049 |  |  | Closed | 2025-11-14 10:59 | 2025-11-17 13:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved, received closing disclosure dated XX/XX/XXXX with corresponding change of circumstance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Resolved, received closing disclosure dated XX/XX/XXXX with corresponding change of circumstance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing closing disclosure dated XX/XX/XXXX with corresponding change of circumstance if applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved, received closing disclosure dated XX/XX/XXXX with corresponding change of circumstance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6256853 | N/A | N/A |
| XXXX | xxxxx0049 |  |  | Closed | 2025-11-13 11:09 | 2025-11-17 13:31 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved, received intent to proceed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed Disclosure is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved, received intent to proceed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXX.pdf |  |  | CA | Primary Residence | Purchase | NA | 6241752 | N/A | N/A |
| XXXX | xxxxx0049 |  |  | Closed | 2025-11-13 10:56 | 2025-11-17 13:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved, 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, 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 XX. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-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, 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 XX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved, 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, 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 XX. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-. - XXX XXXXXXXXXX XXXXXX-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, 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 XX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6241513 | N/A | N/A |
| XXXX | xxxxx0137 |  |  | Closed | 2025-11-20 04:32 | 2025-11-20 08:17 | 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#'s 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, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | 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, 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, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | VA | Primary Residence | Purchase | NA | 6317122 | N/A | N/A |
| XXXX | xxxxx9697 |  |  | Closed | 2025-11-18 07:32 | 2025-11-20 04:55 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Resolved, received gap report dated XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Requested Gap Credit Report that is dated within the XX business days from closing/Disbursement date provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Gap report dated XX/XX/XXXX and closing/disbursement date XX/X/XXXX excluding Saturday, Sunday, and Federal Holidays is XX days. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved, received gap report dated XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Requested Gap Credit Report that is dated within the XX business days from closing/Disbursement date provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX.pdf |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 6287683 | N/A | N/A |
| XXXX | xxxxx9697 |  |  | Closed | 2025-11-18 08:23 | 2025-11-19 07:46 | Resolved | 1 - Information A | Compliance | HigherRisk:APR | Connecticut - Nonprime Home Loan (First Lien) (8/15) | Resolved-This is a Connecticut Nonprime Home Loan. The loan's (X.XXX%) APR equals or exceeds the Connecticut Nonprime Home Loan threshold of (X.XX%). The difference is (X.XXX). 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%). (Conn. Gen. Stat. XXa-XXX(a)(X)) 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 and the Final Closing disclosure on Pg#'s XXX, 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, 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, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This is a Connecticut Nonprime Home Loan. The loan's (X.XXX%) APR equals or exceeds the Connecticut Nonprime Home Loan threshold of (X.XX%). The difference is (X.XXX). 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%). (Conn. Gen. Stat. XXa-XXX(a)(X)) 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 and the Final Closing disclosure on Pg#'s XXX, 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, 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, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 6288723 | N/A | N/A |
| XXXX | xxxxx9697 |  |  | Closed | 2025-11-18 08:23 | 2025-11-19 07:10 | 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#'s XXX and the Final Closing disclosure on Pg#'s XXX, 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, 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, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | 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 and the Final Closing disclosure on Pg#'s XXX, 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, 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, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 6288721 | N/A | N/A |
| XXXX | xxxxxx6232 |  |  | Closed | 2025-11-21 02:58 | 2025-12-01 17:22 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The last Closing Disclosure Received Date (XXXX-XX-XX) is not at least X business days before the consummation date of (XXXX-XX-XX). The (Fixed) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (Fixed Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(B); OSC XX(f)(X)(ii)-X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6336514 | N/A | N/A |
| XXXX | xxxxxx6232 |  |  | Closed | 2025-11-21 02:58 | 2025-12-01 17:22 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The Loan Product of (Fixed) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii); XXXX.XX(f)(X)(ii)(B)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6336512 | N/A | N/A |
| XXXX | xxxxxx6232 |  |  | Closed | 2025-11-21 02:58 | 2025-12-01 17:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-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. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6336515 | N/A | N/A |
| XXXX | xxxxxx6232 |  |  | Closed | 2025-11-21 02:58 | 2025-11-21 06:12 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Resolved - Re opened in error with a XXXXXX run. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-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 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, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX,XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-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)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - Re opened in error with a XXXXXX run. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-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 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, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX,XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6336513 | N/A | N/A |
| XXXX | xxxxxx6232 |  |  | Closed | 2025-11-21 02:58 | 2025-11-21 06:12 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved - Re opened in error with a Mavent run. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 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 12 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 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, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX,XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-This loan failed the higher-priced mortgage loan test. (12 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 12 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 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, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX,XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-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%).(12 CFR XXXX.XX(a)(X)(i)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - Re opened in error with a Mavent run. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 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 12 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 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, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX,XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6336511 | N/A | N/A |
| XXXX | xxxxxx6232 |  |  | Closed | 2025-11-18 03:53 | 2025-11-21 03:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure Provided. Updated & Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. all docs attached. - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provided, Initial CD and all COC's. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. all docs attached. - XXXXXX-XX/XX/XXXX<br>| Resolved-Initial Closing Disclosure Provided. Updated & Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX-XXXXXXXXXXXXXXXXX.pdf<br>XXXXXXX-XXXXXXXXXXXX.pdf<br>XXXXXXX-XXXXXXXXXXXX (X).pdf<br>XXXXXXX-XXXXXXXXXXXX (X).pdf<br>XXXXXXX-XXXXXXXXXXXX (X).pdf<br>XXXXXXX-XXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6285071 | N/A | N/A |
| XXXX | xxxxx0157 |  |  | Closed | 2025-11-26 11:24 | 2025-12-03 05:58 | 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 - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Resolved. Supporting documentation of Gift Funds iao $X,XXX received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Counter-Asset Worksheet received; however, per Matrix, When the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, money order, or wire transfer. Provide supporting documentation of Gift Funds iao $X,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-Asset Record X Does Not Meet G/L Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Asset Record X Does Not Meet G/L Requirements Per Matrix, When the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified check, a cashier's check, money order, or wire transfer. Provide supporting documentation of Gift Funds iao $X,XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Resolved. Supporting documentation of Gift Funds iao $X,XXX received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXX Asset Worksheet.pdf<br>XXXX funds receipt.pdf |  |  | FL | Primary Residence | Purchase | NA | 6404867 | N/A | N/A |
| XXXX | xxxxx0157 |  |  | Closed | 2025-12-03 05:49 | 2025-12-03 05:55 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 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 12 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 page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-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%).(12 CFR XXXX.XX(a)(X)(i)) . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 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 12 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 page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6460997 | N/A | N/A |
| XXXX | xxxxx0157 |  |  | Closed | 2025-11-26 12:02 | 2025-12-03 05:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved. Initial CD dated XX/XX/XXXX and related COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Revised LE dated XX/XX/XXXX and COC received. Provide Initial CD dated XX/XX/XXXX and related COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide Revised LE dated XX/XX/XXXX, Initial CD dated XX/XX/XXXX and related COC's - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Initial CD dated XX/XX/XXXX and related COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX XX.pdf<br>XXXXXX XX.pdf<br>XXXXXX XX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6405833 | N/A | N/A |
| XXXX | xxxxx0157 |  |  | Closed | 2025-12-03 05:49 | 2025-12-03 05:51 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Updated from Lender to Other - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-There are ($X,XXX.XX) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (12 CFR XXXX.XX(f)(X); 12 CFR XXXX.XX(f)(X)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Updated from Lender to Other - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6460996 | N/A | N/A |
| XXXX | xxxxx0157 |  |  | Closed | 2025-11-26 11:29 | 2025-11-28 05:01 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Resolved. Asset Worksheet received. See Asset X Finding - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Provide Asset Worksheet - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved. Asset Worksheet received. See Asset X Finding - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 6404949 | N/A | N/A |
| XXXX | xxxxx0157 |  |  | Closed | 2025-11-26 11:59 | 2025-11-28 04:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Resolved. ax Preparer Attestation or acceptable entity documents such as an Operating Agreement, or equivalent received - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Tax Preparer Attestation or acceptable entity documents such as an Operating Agreement, or equivalent - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. ax Preparer Attestation or acceptable entity documents such as an Operating Agreement, or equivalent received - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXXXX XXXXXX_ X&X XXXXXXX XXXXXXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6405793 | N/A | N/A |
| XXXX | xxxxx0125 |  |  | Closed | 2025-11-23 22:38 | 2025-11-25 13:07 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXXX(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 XXX §XXXXXXX, 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 waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX 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 the appraisal disclosure was provided to the borrower(s)- see Pg# XXX, XXX and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-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 XXX XXXXXX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXXX(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 XXX §XXXXXXX, 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 waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX 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 the appraisal disclosure was provided to the borrower(s)- see Pg# XXX, XXX and copy of the appraisal was given to the borrower is Missing. The loan does not meet HPML guidelines. Provide evidence of delivery of the appraisal to the borrower.<br> - 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. - Seller-XX/XX/XXXX<br>| Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXXX(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 XXX §XXXXXXX, 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 waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX 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 the appraisal disclosure was provided to the borrower(s)- see Pg# XXX, XXX and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXXX.pdf |  |  | CT | Primary Residence | Purchase | NA | 6357424 | N/A | N/A |
| XXXX | xxxxx0125 |  |  | Closed | 2025-11-24 08:26 | 2025-11-25 12:59 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Resolved. Bank statement dated XX/X/XXXX to XX/XX/XXXX for acct ending - XXXX received. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. XX XXXX now attached. - Seller-XX/XX/XXXX <br> Counter-Received bank statements for XX/X/XXXX to XX/XX/XXXX. Provide pages X-X of the bank statement dated XX/X/XXXX to XX/XX/XXXX for acct ending - XXXX. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Provide pages X-X of the bank statement dated XX/X/XXXX to XX/XX/XXXX for acct ending - XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XX XXXX now attached. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Bank statement dated XX/X/XXXX to XX/XX/XXXX for acct ending - XXXX received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXX _ XXXXXXXX _ XXXX _ XX.XX.pdf<br>XXX XXXX - XXXX XXXX.pdf |  |  | CT | Primary Residence | Purchase | NA | 6362184 | N/A | N/A |
| XXXX | xxxxx0125 |  |  | Closed | 2025-11-23 23:20 | 2025-11-25 12:56 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Resolved. Counseling Disclosure received - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Counseling Disclosure received - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXX.pdf<br>XXXXXXXX XXXXXXX.pdf |  |  | CT | Primary Residence | Purchase | NA | 6357587 | N/A | N/A |
| XXXX | xxxxx0125 |  |  | Closed | 2025-11-23 23:22 | 2025-11-25 12:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. Receipt of HLT received - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Provide Home Loan Toolkit - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Home Loan Toolkit - 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>| Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. Receipt of HLT received - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXX.pdf<br>XXXXXXXX XXXXXXX.pdf<br>XXXXXXXX XX XXXXX.pdf<br>XXX XXXXXXX.pdf |  |  | CT | Primary Residence | Purchase | NA | 6357589 | N/A | N/A |
| XXXX | xxxxx0125 |  |  | Closed | 2025-11-23 23:21 | 2025-11-25 06:14 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. Intent to Proceed received - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Intent to Proceed received - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXX.pdf |  |  | CT | Primary Residence | Purchase | NA | 6357588 | N/A | N/A |
| XXXX | xxxxxx4312 |  |  | Closed | 2025-11-24 02:02 | 2025-12-19 07:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.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. Bank statement showing the $XXk processed - Seller-XX/XX/XXXX <br>Counter-Based on XXXXX account showing XX,XXX.XX for latest bank statement in file ending on XX/X - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We have plenty for closing and reserves. Please see attached snippet & review to clear - Seller-XX/XX/XXXX <br>Open-Audited Reserves of month(s) are less than XXXXXXXXX Required Reserves of X month(s) Qualifying reserve is less than required reserve of X provide additional assets documentation if any<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Bank statement showing the $XXk processed - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We have plenty for closing and reserves. Please see attached snippet & review to clear - Seller-XX/XX/XXXX<br>| Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXXX XX XXXXXX.pdf<br>XXXX XXXXXXXXX.pdf |  |  | TX | Investment | Purchase | NA | 6358193 | N/A | N/A |
| XXXX | xxxxxx4312 |  |  | Closed | 2025-12-15 14:33 | 2025-12-18 12:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Received exception to allow LTV to be at XX% for low ratio DSCR. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Open-Audited CLTV Exceeds Guideline CLTV Since DSCR is below X then the max LTV is XX% LTV is at XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX<br>| Waived-Received exception to allow LTV to be at XX% for low ratio DSCR. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXX.XXX |  | DSCR ratio of X.XX exceeds the minimum requirement of X.XX by X.XX points.<br> Experienced Investor. Borrower has other investment property for X plus years | TX | Investment | Purchase | NA | 6632559 | Originator Pre-Close | Yes |
| XXXX | xxxxxx4312 |  |  | Closed | 2025-11-24 01:38 | 2025-12-18 12:44 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-DSCR is below X Low Ratio program updated business approval page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Counter-Since DSCR is below X will need to change program to Low DSCR - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated DSCR calculator provided. Both Originator & Calculated DSCR matches. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated DSCR calculator - Seller-XX/XX/XXXX <br>Open-Our calculated DSCR is Rents of $X,XXX/ PITIA of $X,XXX.XX = X.XXX, DSCR is difference due to the P&I and Insurance amount, Our calculated P&I is $XXXX.XX verified from Note page XXX and First payment letter page XXX whereas DSCR worksheet on page XXX shows P&I $XXXX.XX and Our Calculated Insurance amount is $XXX.XX verified from insurance document page XXX matching with first payment letter page XXX and Final HUD page XXX whereas DSCR worksheet on page XXX shows insurance $XXX.XX, Provide updated DSCR Worksheet and Updated lender approval form as the DSCR is X.XXX less than X. The rent schedule appears on page XX.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated DSCR calculator - Seller-XX/XX/XXXX<br>| Resolved-DSCR is below X Low Ratio program updated business approval page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Updated DSCR calculator provided. Both Originator & Calculated DSCR matches. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX.XXX<br>XXXXXXXXX XXXXXXXX.XXX |  |  | TX | Investment | Purchase | NA | 6358095 | N/A | N/A |
| XXXX | xxxxxx4312 |  |  | Closed | 2025-11-24 01:48 | 2025-11-25 01:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated executed Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Final HUD-1 Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final HUD1 signed by settlement agent - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Provide updated Final HUD-1 as the provided one on page XXX missing settlement agent signature. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Final HUD1 signed by settlement agent - Seller-XX/XX/XXXX<br>| Resolved-Updated executed Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Final HUD-1 Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XX.XXX |  |  | TX | Investment | Purchase | NA | 6358125 | N/A | N/A |
| XXXX | xxxxx0179 |  |  | Closed | 2025-11-25 11:30 | 2025-11-28 05:09 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. Intent to proceed received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed document is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Intent to proceed received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXX.XXX |  |  | CT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6386929 | N/A | N/A |
| XXXX | xxxxx0179 |  |  | Closed | 2025-11-25 11:13 | 2025-11-28 05:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-he 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)) 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, 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, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-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)) 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, 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, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-he 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)) 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, 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, resolved. - XXX XXXXXXXXXX XXXXXX-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)) 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, 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, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6386625 | N/A | N/A |
| XXXX | xxxxxx4736 |  |  | Closed | 2025-11-25 23:54 | 2025-11-28 14:35 | Resolved | 1 - Information A | Credit | Credit | DTI discrepancy or failure. | Resolved-Audited DTI is XX.XX% and lender's DTI is XX.XX%. The difference is X.XX%.<br>This is because (X) lender included XXXXXX account #XXXXXXXXXXXXX with a monthly payment of $X,XXX, though the credit report shows $X per page XXX. (X) Lender counted XXXXXX XXX account #XXXXXXXXXXXXXXXX at $XXX, which is closed per page XXX. (X) Lender did not consider XXXXXXXX #XXX, XXXX #XXXXX and XXX #XXXX which has monthly payments of $XX, $XX and $XX respectively per credit report.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Audited DTI is XX.XX% and lender's DTI is XX.XX%. The difference is X.XX%.<br>This is because (X) lender included XXXXXX account #XXXXXXXXXXXXX with a monthly payment of $X,XXX, though the credit report shows $X per page XXX. (X) Lender counted XXXXXX XXX account #XXXXXXXXXXXXXXXX at $XXX, which is closed per page XXX. (X) Lender did not consider XXXXXXXX #XXX, XXXX #XXXXX and XXX #XXXX which has monthly payments of $XX, $XX and $XX respectively per credit report.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 6395245 | N/A | N/A |
| XXXX | xxxxx0023 |  |  | Closed | 2025-12-01 06:02 | 2025-12-01 06:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception page XXX<br> Exception Reason: Reserves- Loan File X.XX months, GL Requirement X months required reserves + X months additional reserves due to borrower living rent free= X months<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception page XXX<br> Exception Reason: Reserves- Loan File X.XX months, GL Requirement X months required reserves + X months additional reserves due to borrower living rent free= X months<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | DTI- Loan File XX.XXX%, GL Requirement Max XX%<br> Residual Income - Loan File $X,XXX.XX, GL Requirement $XXXX+ $XXX ($XXX per Dependent \*X)= $XXXX<br> Borrower Contribution- Loan File XX%, GL Requirement XX% of Sales Price<br> Job Stability- Loan File Xyrs SE, GL Requirement X yr SE<br> Borrower has the required XX% of assets required to close in his own funds, due to no housing and no score. | OH | Primary Residence | Purchase | NA | 6425999 | Originator Pre-Close | Yes |
| XXXX | xxxxx0023 |  |  | Closed | 2025-11-25 05:36 | 2025-12-01 06:35 | 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 XXXX 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 XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.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 X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX 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 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 The loan meets XXXX guidelines." <br> - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.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 X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX 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 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 The loan meets XXXX guidelines." <br> - Due Diligence XXXXXX-XX/XX/XXXX<br>|  |  |  | OH | Primary Residence | Purchase | NA | 6379180 | N/A | N/A |
| XXXX | xxxxx0972 |  |  | Closed | 2025-11-27 22:27 | 2025-12-12 05:43 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Cured. PCCD, XXXXX, LOX received - Due Diligence XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Counter-Provide LOX for the PCCD - Due Diligence XXXXXX-XX/XX/XXXX <br> Resolved-Cured. PCCD received - Due Diligence XXXXXX-XX/XX/XXXX <br> Resolved- - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Cure attached for $XX. - XXXXXX-XX/XX/XXXX <br> Open-provide a PCCD for the addition of the Transfer Taxes iao $XX.XX from the Revised CD dated XX/XX/XXXX to the Final CD dated XX/XX/XXXX - Due Diligence XXXXXX-XX/XX/XXXX <br> Open-The amounts disclosed on the last Closing Disclosure... - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX <br> Open-The amounts disclosed on the last Closing Disclosure... - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX <br> Counter-XX/XX CD shows that the loan amount increased from $XXXk to $XXXk. Provide the COC... $XX. Provide COC... - Due Diligence XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. XX/XX CD shows that the loan amount increased from $XXXk to $XXXk... - XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX <br> Open-The amounts disclosed... Revised CD (XX/XX/XXXX) to Final CD (XX/XX/XXXX) % of Loan Amount (Points) increased $XXX, Broker Fee increased $XXX.XX and Transfer Taxes were added iao $XX. Provide COC or lender credits to cure <br> - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cure attached for $XX. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX CD shows that the loan amount increased from $XXXk to $XXXk... - XXXXXX-XX/XX/XXXX<br>| Cured-Cured. PCCD, XXXXX, LOX received - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-Cured. PCCD received - Due Diligence XXXXXX-XX/XX/XXXX<br>| XX-X-XX XX.xxx<br>XX-X-XX XX.xxx<br>XX-XX-XX XXX.xxx<br>XXXXX - XXXXXXXXX.xxx<br>XXXXX - XXXXXXXXX.xxx<br>PCCD - XXXXXXXXX.xxx<br>PCCD - XXXXXXXXX.xxx<br>LOX - XXXXXXXXX.xxx |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 6414292 | N/A | N/A |
| XXXX | xxxxx0972 |  |  | Closed | 2025-11-27 22:23 | 2025-12-11 07:03 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved- - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved- - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached. - XXXXXX-XX/XX/XXXX <br>Open-XXXXXXXXX Foreclosure Fee- a copy... to XXXXXXXXX State iao $XX.XX - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open-XXXXXXXXX requires every borrower... pay an $XX Foreclosure Prevention Fee... (XXX XX.XX; XXX XX.XX.XXX(XX)) XXXXXXXXX requires every borrower... pay an $XX Foreclosure Prevention Fee. Provide PCCD or lender credit to cure - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Attached. - XXXXXX-XX/XX/XXXX<br>| Resolved- - Due Diligence XXXXXX-XX/XX/XXXX<br>| PCCD - XXXXXXXXX.xxx |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 6414275 | N/A | N/A |
| XXXX | xxxxx0972 |  |  | Closed | 2025-12-02 08:50 | 2025-12-03 05:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised CD dated XX/XX/XXXX received. See Insufficient COC Finding - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-XXXX: Missing Closing Disclosure Provide Revised CD dated XX/XX/XXXX and related COC - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Revised CD dated XX/XX/XXXX received. See Insufficient COC Finding - Due Diligence XXXXXX-XX/XX/XXXX<br>| XXXXXX XX.xxx<br>XXXXXX XX.xxx |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 6446212 | N/A | N/A |
| XXXX | xxxxxx4837 |  |  | Closed | 2025-12-02 23:51 | 2025-12-23 03:17 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-As per Non Prime guidelines XX days late payments are allowed hence borrower meets housing history hence condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-As per Non Prime guidelines XX days late payments are allowed hence borrower meets housing history. - Due Diligence XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find the explanation attached to clear this finding. - XXXXXX-XX/XX/XXXX <br>Open-provided credit report shows X XX-day late payments in XX-XX months. - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please find the explanation attached to clear this finding. - XXXXXX-XX/XX/XXXX<br>| Resolved-As per Non Prime guidelines XX days late payments are allowed hence borrower meets housing history hence condition resolved. - Due Diligence XXXXXX-XX/XX/XXXX <br>Resolved-As per Non Prime guidelines XX days late payments are allowed hence borrower meets housing history. - Due Diligence XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX - XXXX - XXXXXXXXXXX.xxx |  |  | NC | Primary Residence | Purchase | NA | 6459163 | N/A | N/A |
| XXXX | xxxxxx4837 |  |  | Closed | 2025-12-02 23:48 | 2025-12-08 18:05 | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged-The loan's (X.XXX%) APR equals or exceeds the XXXXXXXXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points... (X.XX%).(X.X. XXX. XXXX. XX-X.XF(aX); XX XXX XXXXX(c)(X)(B)(ii); XX XXX XXXXXX.XX(a)(X)(i)) Per External counsel, it is appropriate to Acknowledge to a grade B - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX <br>Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | Acknowledged-The loan's (X.XXX%) APR equals or exceeds the XXXXXXXXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points... (X.XX%).(X.X. XXX. XXXX. XX-X.XF(aX); XX XXX XXXXX(c)(X)(B)(ii); XX XXX XXXXXX.XX(a)(X)(i)) Per External counsel, it is appropriate to Acknowledge to a grade B - Due Diligence XXXXXX-XX/XX/XXXX<br>|  |  |  | NC | Primary Residence | Purchase | NA | 6459148 | Investor Post-Close | No |
| XXXX | xxxxxx4837 |  |  | Closed | 2025-12-02 23:48 | 2025-12-08 17:37 | 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 XXXX threshold of (X.XX%). The threshold is determined by adding X.X points... (X.XX%).(XX XXX XXXXXX.XX(a)(X)(i)) This loan failed... (XX XXX § XXXXXX.XX(a)(X))Using the greater... Regulation X... XX XXX §XXXXXX.XX... XXXX Header Disclosure Page was entered correctly... Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed... see pg XX , the appraisal disclosure... Pg#'s XXXX , and copy... Pg#'s XXX... The loan meets XXXX guidelines - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points... (X.XX%).(XX XXX XXXXXX.XX(a)(X)(i)) This loan failed... (XX XXX § XXXXXX.XX(a)(X))Using the greater... Regulation X... XX XXX §XXXXXX.XX... XXXX Header Disclosure Page was entered correctly... Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX An interior and exterior appraisal was completed... see pg XX , the appraisal disclosure... Pg#'s XXXX , and copy... Pg#'s XXX... The loan meets XXXX guidelines - Due Diligence XXXXXX-XX/XX/XXXX<br>|  |  |  | NC | Primary Residence | Purchase | NA | 6459146 | N/A | N/A |
| XXXX | xxxxxx0287 |  |  | Closed | 2025-12-05 05:37 | 2025-12-11 07:54 | 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. Signed CD and HUD - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Final HUD-1 / settlement statement is missing. Provide Final HUD-1 /settlement statement document. HUD in file shows borrower receiving cash back but file is a rate term refinance. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Signed CD and HUD - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XX XXX XXX.pdf |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 6499971 | N/A | N/A |
| XXXX | xxxxxx0287 |  |  | Closed | 2025-12-05 05:56 | 2025-12-10 07:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Provided final XXXX - REO section showing property address "XXXX XXX XXXXXXXXX XX" twice, it need to be corrected. Provide updated final XXXX with same. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX<br>| Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.pdf |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 6500174 | N/A | N/A |
| XXXX | xxxxxx4699 |  |  | Closed | 2025-12-09 00:24 | 2025-12-19 06:35 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Loan amount & interest rate was Incorrect in XXXX, provided updated XXXX, changes made in system, Finding 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. The XXXX document currently reflects a loan amount of $XXX,XXX and an interest rate of X.XXX%. However, based on the Note and HUD, the correct loan amount is $XXX,XXX and the interest rate is X.X%. Provide an updated XXXX reflecting the correct loan amount, along with revised LTV and PITIA values. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated XXXX - Seller-XX/XX/XXXX<br>| Resolved-Loan amount & interest rate was Incorrect in XXXX, provided updated XXXX, changes made in system, Finding 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>| XXXX.pdf |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 6542273 | N/A | N/A |
| XXXX | xxxxxx4699 |  |  | Closed | 2025-12-09 00:44 | 2025-12-12 02:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated HUD-1 doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. HUD-1 - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Provide an updated HUD-1, as the one on page #X is missing the settlement agent's signature, and the one on page #XXX does not reflect the payoff of the prior first lien. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. HUD-1 - Seller-XX/XX/XXXX<br>| Resolved-Updated HUD-1 doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.pdf |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 6542346 | N/A | N/A |
| XXXX | xxxxxx4699 |  |  | Closed | 2025-12-09 00:14 | 2025-12-12 01:56 | 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 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>| 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>| XXXXXXX XXXXXX.pdf |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 6542228 | N/A | N/A |
| XXXX | xxxxxx3713 |  |  | Closed | 2025-12-10 07:16 | 2026-01-08 12:33 | Resolved | 1 - Information C A | Credit | Credit | Cash out funds exceed guideline requirement. | Resolved-received final settlement statement - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final HUD1 attached showing acceptable cash out (no CD used by XX in transaction as this is DSCR loan and closed using TIL & Itemization). Please disregard the CD from title company as it was only used as estimate of their fees - Seller-XX/XX/XXXX <br>Counter-CD provided is not properly filled out. According to closing instructions cash to borrower not to exceed lesser of X% or $X,XXX. per final HUD borrower receiving $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Signed CD - Seller-XX/XX/XXXX <br>Counter-Do you have copy of the executed final hud? - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated CD - Seller-XX/XX/XXXX <br>Counter-CD provided is incomplete. No issue date, loan disclosure info/loan calculations missing etc. The entire form is not filled out correctly/completely. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Signed CD and HUD - Seller-XX/XX/XXXX <br>Open-According to closing instructions cash to borrower not to exceed lesser of X% or $X,XXX. per final HUD borrower receiving $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final HUD1 attached showing acceptable cash out (no CD used by XX in transaction as this is DSCR loan and closed using TIL & Itemization). Please disregard the CD from title company as it was only used as estimate of their fees - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Signed CD - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated CD - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Signed CD and HUD - Seller-XX/XX/XXXX<br>| Resolved-received final settlement statement - resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XX.pdf<br>XX.pdf<br>XX.pdf<br>XXXXXXXXX XXXX XXX XXXXXXXX.pdf |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 6564267 | N/A | N/A |
| XXXX | xxxxxx3234 |  |  | Closed | 2025-12-04 16:57 | 2026-01-08 12:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-received File Settlement statement - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please disregard the CD as it was prepared by the title company (not XX) and only to be used as estimate. - Seller-XX/XX/XXXX <br>Counter-The Final CD that was provided is missing the disclosures and the loan calculations. Please provide the Final CD with the loan disclosures and loan calculations completed. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. ALTA Statement and Disbursement ledger - Seller-XX/XX/XXXX <br>Counter-CD uploaded is not complete. Loan disclosures and Loan calculations are not complete. Please upload the complete Final CD. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXXX <br>Counter-CD uploaded is not complete. No issue date, loan disclosures/calculations etc. Please upload the completed final CD. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Provide updated Final Hud document, as the provided one on page XXX not reflecting payoff amount, loan is no cash out refinance verified as per XXXX page XXX and DSCR worksheet page XXX and payoff statement is on page XXX.<br> . - Due Diligence Vendor-XX/XX/XXXX | The Final CD that was provided is missing the disclosures and the loan calculations. Please provide the Final CD with the loan disclosures and loan calculations completed. - XX/XX/XXXX <br>Ready for Review-Please disregard the CD as it was prepared by the title company (not XX) and only to be used as estimate. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. ALTA Statement and Disbursement ledger - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXXX<br>| Resolved-received File Settlement statement - resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XX.pdf<br>XXXXX XX.pdf<br>XXXXXXXXX XXXX XXX XXXXXXXX.pdf<br>XXXXXXXXXXXX XXXXXX.pdf |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 6494861 | N/A | N/A |
| XXXX | xxxxxx3234 |  |  | Closed | 2025-12-04 03:12 | 2025-12-15 02:02 | 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 & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Policy: Coverage $XXX,XXX - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide updated title as the loan amount is less than actual loan amount in title page XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Policy: Coverage $XXX,XXX - Seller-XX/XX/XXXX<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX.xxx |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 6479534 | N/A | N/A |
| XXXX | xxxxx0302 |  |  | Closed | 2025-12-08 06:11 | 2025-12-10 07:46 | 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 XXXX 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 XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'sXXThe loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'sXXThe loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 6525055 | N/A | N/A |
| XXXX | xxxxx1444 |  |  | Closed | 2025-12-15 04:09 | 2025-12-17 11:02 | 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 XXXX 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 XXX XXXX.XX(a)(X)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 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, 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 XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXX XXXX.XX(a)(X)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 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, 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 XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | OH | Primary Residence | Purchase | NA | 6618872 | N/A | N/A |
| XXXX | xxxxx1404 |  |  | Closed | 2025-12-15 06:25 | 2025-12-16 05:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-Resolved. ITIN letter received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X ITIN information Missing. Please provide acceptable documentation. Provide ITIN documentation for Borrower X - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. ITIN letter received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX XXXXXX.xxx |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6620780 | N/A | N/A |
| XXXX | xxxxxx6062 |  |  | Closed | 2025-12-08 11:27 | 2025-12-16 04:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Unit X lease provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Unit X lease - Seller-XX/XX/XXXX <br>Open-Subject has two units and both are tenant occupied, however Unit X Lease is missing in Loan file - UW used Lease (Actual rent $XXXX + $XXXX) for qualifying DSCR. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Unit X lease - Seller-XX/XX/XXXX<br>| Resolved-Unit X lease provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX X.xxx |  |  | CT | Investment | Refinance | Cash Out - Other | 6532454 | N/A | N/A |
| XXXX | xxxxxx8506 |  |  | Closed | 2025-12-12 04:53 | 2025-12-18 05:08 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-I'm not sure why my previous comment got erased, but I'll repeat that XXX is correct. When one borrower is the primary wage earner, that borrower's credit score is used. In this case the primary wage earner has a middle credit score of XXX so the XXXX you have with XXX on it is correct. Please clear condition. - Buyer-XX/XX/XXXX <br>Open-Qualifying XXXX on the XXXX Page is 'XXX' or blank, but the Qualifying XXXX from the Credit Liabilities Page is 'XXX' or blank. Qualifying XXXX entries do not match. Please confirm the correct Qualifying XXXX value. Per guidelines, using highest representative score from all borrowers. XXXX states credit score is XXX, but qualifying higher credit score for borrower X is XXX. Please provide updated XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MO | Primary Residence | Purchase | NA | 6598357 | N/A | N/A |
| XXXX | xxxxxx8506 |  |  | Closed | 2025-12-08 09:18 | 2025-12-08 09:28 | 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 XXXX 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 XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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, 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 XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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. XXXX 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, 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 XXXX guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MO | Primary Residence | Purchase | NA | 6528880 | N/A | N/A |
| XXXX | xxxxxx0933 |  |  | Closed | 2025-12-13 07:01 | 2025-12-23 07:11 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-XX month payment history received matched loan number up to mtg stmt in file for primary - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements XX months primary residence housing history required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-XX month payment history received matched loan number up to mtg stmt in file for primary - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXX XXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6613846 | N/A | N/A |
| XXXX | xxxxxx0933 |  |  | Closed | 2025-12-11 23:52 | 2025-12-23 09:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.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 XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.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. <br> XXXX 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 and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XX<br> 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 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.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 XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.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. <br> XXXX 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 and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XX<br> 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 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6596936 | N/A | N/A |
| XXXX | xxxxxx0933 |  |  | Closed | 2025-12-11 23:52 | 2025-12-23 09:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX 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%).(Xxx. Xxx. Code XXXX(a); XX XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.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 XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.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. <br> XXXX 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 and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XX<br> 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 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX 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%).(Xxx. Xxx. Code XXXX(a); XX XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.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 XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.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. <br> XXXX 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 and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XX<br> 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 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6596937 | N/A | N/A |
| XXXX | xxxxx8316 |  |  | Closed | 2025-12-16 00:52 | 2025-12-21 05:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved. COC dated XX/X/XXXX for Final Inspection (XXXXD) iao $XXX received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - 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: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(e)(X); XX XXX XXXXXX.XX(f)(X)(v)). Provide COC for the Final Inspection(XXXX D) added to the Revised CD dated XX/XX/XXXX iao $XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. COC dated XX/X/XXXX for Final Inspection (XXXXD) iao $XXX received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XX XXXXX XXXX.XXX |  |  | NC | Primary Residence | Purchase | NA | 6637317 | N/A | N/A |
| XXXX | xxxxx1391 |  |  | Closed | 2025-12-18 00:03 | 2025-12-22 07:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the XXXXXXXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXX Higher-Priced Mortgage 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%). (XXXXX XX.XX.XX.XX(X)(XX); XX XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.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 XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.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. XXXX 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 the Final Closing disclosure on Pg 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 , and copy of the appraisal was given to the borrower – see Pg XXX. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Under the Regulations adopted by the XXXXXXXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXX Higher-Priced Mortgage 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%). (XXXXX XX.XX.XX.XX(X)(XX); XX XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.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 XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.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. XXXX 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 the Final Closing disclosure on Pg 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 , and copy of the appraisal was given to the borrower – see Pg XXX. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6678117 | N/A | N/A |
| XXXX | xxxxx1391 |  |  | Closed | 2025-12-18 00:03 | 2025-12-22 07:22 | 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 XXXX 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 XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.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 XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.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. XXXX 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 the Final Closing disclosure on Pg 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 , and copy of the appraisal was given to the borrower – see Pg XXX. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXX XXXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.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 XXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.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. XXXX 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 the Final Closing disclosure on Pg 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 , and copy of the appraisal was given to the borrower – see Pg XXX. The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6678118 | N/A | N/A |
| XXXX | xxxxx1438 |  |  | Closed | 2025-12-14 02:45 | 2025-12-16 16:47 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception page XXX<br> Exception Reason OTHER- Monthly gross P& L income is $XX,XXX.XX. The XX% tolerance test would require a minimum average two months bank statement deposit s of $XX,XXX.XX and the average is $XX,XXX.XX, short by only $XX.XX.<br> Client elects to waive with the following compensating factors.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Exception page XXX<br> Exception Reason OTHER- Monthly gross P& L income is $XX,XXX.XX. The XX% tolerance test would require a minimum average two months bank statement deposit s of $XX,XXX.XX and the average is $XX,XXX.XX, short by only $XX.XX.<br> Client elects to waive with the following compensating factors.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | DTI - Loan File XX.XX%, XX Requirement Max XX%<br> Credit Score - Loan File XXX, XX Requirement Min XXX<br> Residual income - Loan File $XX,XXX.XX, XX Requirement $XXXX+ $XXX x X dependent= $XXXX <br> Job stability - Loan File XX months, XX Requirement XX months | VA | Primary Residence | Purchase | NA | 6615608 | Originator Pre-Close | Yes |
| XXXX | xxxxx1438 |  |  | Closed | 2025-12-11 22:50 | 2025-12-16 16:53 | 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 XXXX 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 XXXXXXXXXX X. 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. XXXX 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#'sXXX ____ and the Final Closing disclosure on Pg#'sXXX ____ 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#'sXXX-XXX___ , and copy of the appraisal was given to the borrower – see Pg#'sXX _____ for the copy of the disclosure. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXXXXXXXXX X. 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. XXXX 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#'sXXX ____ and the Final Closing disclosure on Pg#'sXXX ____ 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#'sXXX-XXX___ , and copy of the appraisal was given to the borrower – see Pg#'sXX _____ for the copy of the disclosure. The loan meets XXXX guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | VA | Primary Residence | Purchase | NA | 6596709 | N/A | N/A |
| XXXX | xxxxx1452 |  |  | Closed | 2025-12-17 03:13 | 2025-12-23 04:52 | Resolved | 1 - Information C A | Compliance | Fees:Limited | North Carolina - Fees Limitation | Resolved-Resolved. Discount Points are Bona Fide. Undiscounted Rate received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See attached. Par pricing at X.XXX and buydown at X.XXX at XX.XX, meaning .XX points. - XXXXXX-XX/XX/XXXX <br> Open-Fees paid to lender exceed the threshold. Under the North Carolina Interest Provisions, on a first lien closed end loan less than $XXX,XXX, lender fees not specifically authorized by statute are limited to ($XXX.XX), which is the greater of X/X of X% of the loan amount or $XXX. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($XXX.XX). Fees excluded from the test: Application Fee, Application Deposit, Commitment (Rate Lock) Fee, Temporary Buydown Fee, Loan Origination Fee, "bona fide" Loan Discount, Prepaid Interest, and Interest Due on a Prior Loan. (N.C. Gen. Stat. XX-X.XA(c)(X); XX-X(d); XX-XX(d)) Provide Discount Point Disclosure or the Rate Sheet to show the undiscounted rate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached. Par pricing at X.XXX and buydown at X.XXX at XX.XX, meaning .XX points. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Discount Points are Bona Fide. Undiscounted Rate received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX XXXXX XXXXXXX X.XXX XX XXX.pdf<br>XXXX XXXXX XXXXXXX X.XXX XX XX.XX.pdf |  |  | NC | Primary Residence | Purchase | NA | 6657502 | N/A | N/A |
| XXXX | xxxxx1452 |  |  | Closed | 2025-12-17 03:13 | 2025-12-23 04:52 | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Acknowledged-The loan's (X.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan 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 closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Acknowledged. Client acknowledges as immaterial - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-The loan's (X.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan 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 closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Acknowledged. Client acknowledges as immaterial - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | NC | Primary Residence | Purchase | NA | 6657505 | Originator Post-Close | No |
| XXXX | xxxxx1452 |  |  | Closed | 2025-12-17 03:13 | 2025-12-23 04:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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)) XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX 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 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 The loan meets XXXX guidelines." <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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)) XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#XXX and the Final Closing disclosure on Pg# XXX 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 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 The loan meets XXXX guidelines." <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | NC | Primary Residence | Purchase | NA | 6657503 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2025-12-18 10:20 | 2025-12-19 12:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised LE dated XX/XX/XXXX and related COC received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-XXXX: Missing Closing Disclosure Missing revised CD dated XX/XX/XXXX with corresponding change of circumstance if applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Revised LE dated XX/XX/XXXX and related COC received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX CC.pdf |  |  | AZ | Primary Residence | Purchase | NA | 6687004 | N/A | N/A |
| XXXX | xxxxx1528 |  |  | Closed | 2025-12-21 07:58 | 2025-12-23 05:37 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Resolved. Access letter from non-borrowing owners of the business received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Provide access letter from non-borrowing owners of the business - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Access letter from non-borrowing owners of the business received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX XXX XXXXX XXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 6724509 | N/A | N/A |
| XXXX | xxxxx1459 |  |  | Closed | 2025-12-16 00:19 | 2025-12-19 12:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved. Revised LE's dated XX/XX/XXXX, XX/XX/XXXX, Initial CD dated XX/XX/XXXX and related COC's received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-XXXX: Missing Closing Disclosure Provide Initial CD in order to run Mavent report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Revised LE's dated XX/XX/XXXX, XX/XX/XXXX, Initial CD dated XX/XX/XXXX and related COC's received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX CD.pdf<br>XXXXXX XX XX CC.pdf<br>XXXXXX CC.pdf |  |  | CA | Primary Residence | Purchase | NA | 6637143 | N/A | N/A |
| XXXX | xxxxx1459 |  |  | Closed | 2025-12-19 12:19 | 2025-12-19 12:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (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 page XXX and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-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)) . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-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 page XXX and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6711505 | N/A | N/A |
| XXXX | xxxxx1459 |  |  | Closed | 2025-12-19 12:19 | 2025-12-19 12:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (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 page XXX and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-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)) . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-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 page XXX and the Final Closing disclosure on page XX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6711502 | N/A | N/A |
| XXXX | xxxxxx1350 |  |  | Closed | 2025-12-22 09:51 | 2025-12-29 14:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-T Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-T Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Executed XXXX-T Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXX XXXX.XXX |  |  | CO | Primary Residence | Purchase | NA | 6737266 | N/A | N/A |
| XXXX | xxxxxx1350 |  |  | Closed | 2025-12-22 00:12 | 2025-12-23 06:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | ARM Disclosure is Missing | Resolved-ARM Disclosure is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-ARM Disclosure is Missing provide arm disclosure missing in file within X days of loan application - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-ARM Disclosure is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXX XXX XXXXXXXXXX.XXX |  |  | CO | Primary Residence | Purchase | NA | 6728818 | N/A | N/A |
| XXXX | xxxxxx1350 |  |  | Closed | 2025-12-18 21:50 | 2025-12-30 06:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - XXX XXXXXXXXXX XXXXXX-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. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. <br> Rate lock date was entered correctly – see Pg#XXX,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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXXX XXXXXX-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. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. <br> Rate lock date was entered correctly – see Pg#XXX,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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CO | Primary Residence | Purchase | NA | 6699103 | N/A | N/A |
| XXXX | xxxxxx0033 |  |  | Closed | 2025-12-23 05:15 | 2025-12-30 06:29 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-There is a rental for $XXXX + $X,XXX total trades – $XXX installment to be excluded < XX payments = $XXXX (matches XXXX). The DTI is only XX.XXX so it ok either way. - XXXXXX-XX/XX/XXXX <br>Counter- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-As per the credit report the total of all other monthly payments is $X,XXX and REO property - ve rental loss is $XXX, however the total of Other Monthly Payments Used to qualify is $XXXX, but final XXXX is showing total of all other monthly payment as $X,XXX, due to which the calculated DTI is XX.XX%, whereas DTI as per U/W calculation is XX.XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-There is a rental for $XXXX + $X,XXX total trades – $XXX installment to be excluded < XX payments = $XXXX (matches XXXX). The DTI is only XX.XXX so it ok either way. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>|  | XXXXXXXXXX_XXXXXXX XXXXXX_XXXX.XXX |  | Total of Other Monthly payments used to qualify does not match XXXX. Total reflected on XXXX provide reflects $X,XXX | CA | Primary Residence | Purchase | NA | 6756657 | N/A | N/A |
| XXXX | xxxxxx0033 |  |  | Closed | 2025-12-22 05:16 | 2025-12-23 13:02 | 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#'s 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, 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, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | 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 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, 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, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6730433 | N/A | N/A |
| XXXX | xxxxxx0033 |  |  | Closed | 2025-12-22 05:16 | 2025-12-23 13:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX 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#'s 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, 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, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX 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#'s 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, 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, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 6730437 | N/A | N/A |
| XXXX | xxxxxx6353 |  |  | Closed | 2025-12-25 03:36 | 2026-01-02 03:46 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - 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. 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 uncleared 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>| Resolved-All Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - 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>| XXXXXXXXXXXX XXXXXXX XXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 6802715 | N/A | N/A |
| XXXX | xxxxxx6353 |  |  | Closed | 2025-12-25 03:27 | 2025-12-30 23:46 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (XXXXXXX XXX) Provided.<br> - 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. XXXXXX SSR - 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 The file is missing secondary valuation or additional valuation. Provide a XXXX or XXXXXX XXXX/XXX report with a score less than X.X, or an appraisal desk review.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX SSR - score of X - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (XXXXXXX XXX) Provided.<br> - 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>| XXXXXXXXXXXX XXXXXXX XXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 6802704 | N/A | N/A |
| XXXX | xxxxxx6353 |  |  | Closed | 2025-12-25 04:12 | 2025-12-30 10:05 | 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 page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX, XXX . The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | 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 page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX, XXX . The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6802778 | N/A | N/A |
| XXXX | xxxxx2838 |  |  | Closed | 2025-12-31 09:45 | 2026-01-06 03:49 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved, received COC for change in recording fees. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-The total amount of the XX% category fees ($X,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: (Recording Fees – Mortgage/Deed of Trust). 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)). Recording fee is increased from $XXX.XX in initial CD to final CD $X,XXX.XX under final CD but we have no COC in file, condition added for the same. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved, received COC for change in recording fees. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-The total amount of the XX% category fees ($X,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: (Recording Fees – Mortgage/Deed of Trust). 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)). Recording fee is increased from $XXX.XX in initial CD to final CD $X,XXX.XX under final CD but we have no COC in file, condition added for the same. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6875936 | N/A | N/A |
| XXXX | xxxxx2838 |  |  | Closed | 2025-12-31 09:45 | 2026-01-06 03:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved, received COC for change in recording fees. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($X,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: (Recording Fees – Mortgage/Deed of Trust). 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)). Recording fee is increased from $XXX.XX on the initial loan estimate to final CD $X,XXX.XX under final CD. Missing COC for change in recording fees. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received COC for change in recording fees. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX CC.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6875935 | N/A | N/A |
| XXXX | xxxxx1636 |  |  | Closed | 2025-12-26 10:38 | 2026-01-06 04:30 | Resolved | 1 - Information C A | Compliance | Mavent | TX Fee Not Allowed- Doc Tax Stamps/Transfer Taxes – City/County (Fee ID: 67) | Resolved-Resolved. PCCD received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Corrections made per attorney's instruction. - Seller-XX/XX/XXXX <br>Open-XXXXX<br>law does not allow Doc Tax Stamps/Transfer Taxes – City/County (Fee ID: XX) to be charged to the Borrower, Seller, Originator, Lender or Other in TX. XXXXX law does not allow Doc Tax Stamps/Transfer Taxes – City/County (Fee ID: XX) to be charged to the Borrower, Seller, Originator, Lender or Other in TX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Corrections made per attorney's instruction. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. PCCD received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX - XXXXXXXXX.pdf<br>XXXXXXXX XXXXX.pdf<br>LOX - XXXXXXXXX.pdf<br>PCCD - XXXXXXXXX.pdf<br>XXXXXX - XXXXXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 6815801 | N/A | N/A |
| XXXX | xxxxx1636 |  |  | Closed | 2025-12-30 05:35 | 2026-01-06 04:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved. PCCD received. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br>Ready for Review-Corrections made per attorney's instruction. - 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: Doc Tax Stamps/Transfer Taxes – City/County. 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.X(X)(X); XX XXX XXXXXX.X(X)(X); XX XXX XXXXXX.X(X)(X)). Texas law does not allow Doc Tax Stamps/Transfer Taxes – City/County (Fee ID: XX) to be charged to the Borrower, Seller, Originator, Lender or Other in XX. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | Ready for Review-Corrections made per attorney's instruction. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. PCCD received. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX<br>| Check - XXXXXXXXX.pdf<br>XXXXXXXX XXXXX.pdf<br>PCCD - XXXXXXXXX.pdf<br>LOX - XXXXXXXXX.pdf<br>XXXXX - XXXXXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 6848959 | N/A | N/A |
| XXXX | xxxxx1636 |  |  | Closed | 2025-12-29 14:27 | 2025-12-30 05:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception page XXX.<br> Exception Reason- Reserves- Loan File X.XX months, XX Requirement Min X months + X additional months required reserves= X months.<br> Client elects to waive with the following compensating factors. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |  | Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception page XXX.<br> Exception Reason- Reserves- Loan File X.XX months, XX Requirement Min X months + X additional months required reserves= X months.<br> Client elects to waive with the following compensating factors. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX<br>|  |  | Credit Score- Loan File XXX, XX Requirement Min XXX<br> Residual Income- Loan File $XXXX.XX, XX Requirement $X,XXX + $XXX (X dependents \*$XXX)= $X,XXX<br> Borrower Contribution - Loan File XX%. XX Requirement XX% of Sale Price<br> Tradelines - Loan File X > XX months, XX Requirement X for XX months OR X for XX months<br> Job Stability- Loan File X.X years same employer, XX Requirement Xyr same employer | TX | Primary Residence | Purchase | NA | 6841148 | Originator Pre-Close | Yes |
| XXXX | xxxxx1636 |  |  | Closed | 2025-12-26 10:38 | 2026-01-06 04:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)(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 XXX §XXXXXX.X, 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, 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, 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, resolved - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-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 XXX XXXXXX.X(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)(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 XXX §XXXXXX.X, 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, 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, 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, resolved. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)(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 XXX §XXXXXX.X, 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, 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, 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, resolved - XXX XXXXXXXXX XXXXXXXX-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 XXX XXXXXX.X(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)(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 XXX §XXXXXX.X, 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, 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, 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, resolved. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 6815800 | N/A | N/A |
| XXXX | xxxxx1674 |  |  | Closed | 2025-12-29 02:00 | 2025-12-31 04:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Resolved. Acknowledgment of Informational Booklets for Home Loan Tool Kit received. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Received the Services Providers List and the HOC. Provide Home Loan Tool Kit. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provide Home Loan Tool Kit. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Acknowledgment of Informational Booklets for Home Loan Tool Kit received. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXX.pdf<br>XXXXXXXXXXXXXX of XXXXXXX of XXXXXXXXXXXX XXXXXXXXX.pdf |  |  | CT | Primary Residence | Purchase | NA | 6826603 | N/A | N/A |
| XXXX | xxxxx1674 |  |  | Closed | 2025-12-29 06:52 | 2025-12-29 14:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Resolved. Rate Lock Confirmation received. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide Rate Lock Confirmation - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Rate Lock Confirmation received. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXX.pdf |  |  | CT | Primary Residence | Purchase | NA | 6829313 | N/A | N/A |
| XXXX | xxxxx1674 |  |  | Closed | 2025-12-29 02:01 | 2025-12-29 14:52 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Resolved. Homeownership Counseling Disclosure received. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provide Homeownership Counseling Disclosure. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Homeownership Counseling Disclosure received. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXX.pdf |  |  | CT | Primary Residence | Purchase | NA | 6826608 | N/A | N/A |
| XXXX | xxxxx1674 |  |  | Closed | 2025-12-29 02:00 | 2025-12-29 14:52 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. Intent to Proceed received. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Intent to Proceed received. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX<br>| XXX and XXXXXXXX XXXX.pdf |  |  | CT | Primary Residence | Purchase | NA | 6826604 | N/A | N/A |
| XXXX | xxxxx1674 |  |  | Closed | 2025-12-29 02:00 | 2025-12-29 14:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Resolved. Written Service Provider List received. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Written Service Provider List. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Written Service Provider List received. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX XXX XXXXXXXX XXXX.pdf |  |  | CT | Primary Residence | Purchase | NA | 6826606 | N/A | N/A |
| XXXX | xxxxx1674 |  |  | Closed | 2025-12-29 01:52 | 2025-12-29 07:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XX.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 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-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower page XXX, . The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (XX.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 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-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower page XXX, . The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CT | Primary Residence | Purchase | NA | 6826594 | N/A | N/A |
| XXXX | xxxxx2824 |  |  | Closed | 2026-01-05 13:17 | 2026-01-06 04:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received revised LE. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing revised loan estimate (LE) dated XX/XX/XXXX with corresponding change of circumstance (COC) if applicable. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received revised LE. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX XX X XX.pdf |  |  | AZ | Primary Residence | Purchase | NA | 6920953 | N/A | N/A |
| XXXX | xxxxxx9919 |  |  | Closed | 2026-01-02 03:51 | 2026-01-09 02:54 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Property Report Provided. Verified. Housing History Meets Guideline Requirements<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Housing History. Borrower owns property but is not responsible for mortgage - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Provide XX months housing history. Primary mortgage history actual only X month verified from mortgage statement on page XXX - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Housing History. Borrower owns property but is not responsible for mortgage - Seller-XX/XX/XXXX<br>| Resolved-Property Report Provided. Verified. Housing History Meets Guideline Requirements<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXXXXXXX XXXXXXX XXXXXX.pdf<br>XXXXX XXXXXXXX.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 6889553 | N/A | N/A |
| XXXX | xxxxxx9919 |  |  | Closed | 2026-01-02 03:53 | 2026-01-07 06:55 | 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 XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX XXX - 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 document. Secondary valuation missing in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX XXX - score of X - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXXXXX XXX.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 6889571 | N/A | N/A |
| XXXX | xxxxxx3653 |  |  | Closed | 2026-01-05 00:47 | 2026-01-07 07:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-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 §1026.35, 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 and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pgXX, 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, XXX-XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXX XXXXXX-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 §1026.35, 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 and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pgXX, 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, XXX-XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6909362 | N/A | N/A |
| XXXX | xxxxxx3653 |  |  | Closed | 2026-01-05 00:47 | 2026-01-07 07:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-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 §1026.35, 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 and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pgXX, 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, XXX-XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXX XXXXXX-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 §1026.35, 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 and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pgXX, 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, XXX-XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6909364 | N/A | N/A |
| XXXX | xxxxx1568 |  |  | Closed | 2026-01-08 00:54 | 2026-01-22 08:38 | Resolved | 1 - Information C A | Compliance | HigherRisk:APR | Connecticut - Nonprime Home Loan (First Lien) (8/15) | Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Waived-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Counter-Received appraisal delivery disclosure which does not resolve the state of Connecticut compliance issue. <br> This is a Connecticut Nonprime Home Loan. The loan's (X.XXX%) APR equals or exceeds the Connecticut Nonprime Home Loan threshold of (X.XX%). The difference is (X.XXX). 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%). (Conn. Gen. Stat. XXa-XXX(a)(X)) This is state specific finding - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-This is a Connecticut Nonprime Home Loan. The loan's (X.XXX%) APR equals or exceeds the Connecticut Nonprime Home Loan threshold of (X.XX%). The difference is (X.XXX). 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%). (Conn. Gen. Stat. XXa-XXX(a)(X)) This is state specific finding - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ | Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Waived-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXXXXXXXX XXXXXXXXXX.XXX |  |  | CT | Primary Residence | Purchase | NA | 6976131 | N/A | N/A |
| XXXX | xxxxx1568 |  |  | Closed | 2026-01-08 00:54 | 2026-01-20 14:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Rescinded-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__ and the Final Closing disclosure on Pg#'s _XXX___ 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__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XXX_ , and copy of the appraisal was given to the borrower – see Pg#'s __XXX__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | _xXXXD_ | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Rescinded-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__ and the Final Closing disclosure on Pg#'s _XXX___ 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__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_XXX_ , and copy of the appraisal was given to the borrower – see Pg#'s __XXX__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ |  |  |  | CT | Primary Residence | Purchase | NA | 6976130 | N/A | N/A |
| XXXX | xxxxx1568 |  |  | Closed | 2026-01-15 00:00 | 2026-01-20 14:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Reserves are sufficient after updating EMD present in file on page #XXX hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_<br> Open-There are shortage of Reserves -$X,XXX.X - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ | Resolved-Reserves are sufficient after updating EMD present in file on page #XXX hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXXXX XXXXXXXXX_XXXX.XXX |  |  | CT | Primary Residence | Purchase | NA | 7104070 | N/A | N/A |
| XXXX | xxxxx1568 |  |  | Closed | 2026-01-07 22:15 | 2026-01-15 00:01 | 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 _xXXXD_<br> Ready for Review-Document Uploaded. Extra reserves utilized. - Seller-XX/XX/XXXX _xXXXD_<br> Open-Housing History Does Not Meet Guideline Requirements Provide VOR reflecting housing history per guidelines - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Extra reserves utilized. - Seller-XX/XX/XXXX_xXXXD_ | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XX XXXX.XXX |  |  | CT | Primary Residence | Purchase | NA | 6974962 | N/A | N/A |
| XXXX | xxxxx2870 |  |  | Closed | 2026-01-06 21:40 | 2026-01-09 05:23 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved-his 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#'sXXX and the Final Closing disclosure on Pg#'sXXX 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 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower isin Findings. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-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#'sXXX and the Final Closing disclosure on Pg#'sXXX 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 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower is missing. The loan does not meet HPML guidelines. Provide evidence of appraisal delivery to borrower. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ | Resolved-his 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#'sXXX and the Final Closing disclosure on Pg#'sXXX 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 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower isin Findings. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXXXXXXXX XXXXXX XXXXXXXX XXXXXXXXXXXX.XXX |  |  | AZ | Primary Residence | Purchase | NA | 6950647 | N/A | N/A |
| XXXX | xxxxx2870 |  |  | Closed | 2026-01-06 21:40 | 2026-01-09 05:23 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved. Revised CD dated XX/XX/XXXX and related COC received. - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Resolved- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide the COC for the addition of the Points - Loan Discount Fee iao $X,XXX.XX (X.XXX%) - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ | Resolved-Resolved. Revised CD dated XX/XX/XXXX and related COC received. - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXXXXXX XX.XXX_xXXXD_<br> XXXXXXX XX XX.XXX |  |  | AZ | Primary Residence | Purchase | NA | 6950649 | N/A | N/A |
| XXXX | xxxxx2870 |  |  | Closed | 2026-01-08 13:11 | 2026-01-09 05:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated XX/XX/XXXX and related COC received - Due Diligence Vendor-XX/XX/XXXX _xXXXD_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXD_<br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated XX/XX/XXXX and related COC - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXD_ | Resolved-Revised CD dated XX/XX/XXXX and related COC received - Due Diligence Vendor-XX/XX/XXXX_xXXXD_ | XXXXXXX XX.XXX |  |  | AZ | Primary Residence | Purchase | NA | 6992278 | N/A | N/A |
| XXXX | xxxxx1678 |  |  | Closed | 2026-01-08 21:57 | 2026-01-26 05:54 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Fees: Limited | Cured-PCCD Received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The total amount of the XX% category fees on the last Closing Disclosure ($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: (Recording Fees – Mortgage/Deed of Trust). 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)). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-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). Provide COC for the increase in Recording Fees – Mortgage/Deed of Trust from Initial CD XX/XX/XXXX iao $XXX to the Final CD iao $XXX.XX or provide tolerance cure. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($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: (Recording Fees – Mortgage/Deed of Trust). 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)). COC not provided for increased Fee's - Due Diligence Vendor-XX/XX/XXXX <br>Open- - 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>| Cured-PCCD Received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-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: (Recording Fees – Mortgage/Deed of Trust). 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)). - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XX.pdf<br>XXXXX - XXXXXXXXX.pdf<br>LOX - XXXXXXXXX.pdf<br>Check - XXXXXXXXX.pdf<br>PCCD - XXXXXXXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6999057 | N/A | N/A |
| XXXX | xxxxx1678 |  |  | Closed | 2026-01-08 21:57 | 2026-01-26 05:50 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-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 in Findings and the Final Closing disclosure on Pg#'sXXX reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX and XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-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 Missing and the Final Closing disclosure on Pg#'sXXX reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX and XXX for the copy of the disclosure. The loan does not meet HPML guidelines. Provide IEAD document. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-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 in Findings and the Final Closing disclosure on Pg#'sXXX reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pg XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX and XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX XXXXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6999058 | N/A | N/A |
| XXXX | xxxxx1678 |  |  | Closed | 2026-01-08 22:47 | 2026-01-20 02:16 | Resolved | 1 - Information C A | Credit | Doc Issue | Initial Escrow Acct Disclosure missing; loan has escrows | Resolved-Requested initial escrow acct disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Initial Escrow Acct Disclosure. Loan has escrows. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested initial escrow acct disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX XXXXXX.pdf |  |  | FL | Primary Residence | Purchase | NA | 6999231 | N/A | N/A |
| XXXX | xxxxx1372 |  |  | Closed | 2026-01-13 10:04 | 2026-01-28 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-X Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXXX-X for BX signed on XX/XX/XXXX (after closing XX/XX/XXXX) received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing Provide XXXX-X for BX signed at closing XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Executed XXXX-X Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-XXXX-X for BX signed on XX/XX/XXXX (after closing XX/XX/XXXX) received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 7066205 | N/A | N/A |
| XXXX | xxxxx1372 |  |  | Closed | 2026-01-12 01:14 | 2026-01-13 10:37 | 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#'s XXX and the Final Closing disclosure on Pg#'s XXX 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 copy of the appraisal was given to the borrower – see Pg#'s XX, 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 <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | 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 and the Final Closing disclosure on Pg#'s XXX 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 copy of the appraisal was given to the borrower – see Pg#'s XX, XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 7030001 | N/A | N/A |
| XXXX | xxxxxx3838 |  |  | Closed | 2026-01-07 04:45 | 2026-01-08 10:58 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-NON-QM Loan Exception Decision is on Page #XXX<br>The loan exception is approved for not meeting the seasoning requirements for a property recently listed for sale. Per guidelines, the property must be delisted for at least XXX days, property was delisted XX days prior to the application date. LTV is based off of the lowest list price vs the current higher appraised value. Property was listed for sale due to the terms of the divorce, but the terms were amended and therefore property was taken off the market and awarded to the borrower - Due Diligence Vendor-XX/XX/XXXX |  | Waived-NON-QM Loan Exception Decision is on Page #XXX<br>The loan exception is approved for not meeting the seasoning requirements for a property recently listed for sale. Per guidelines, the property must be delisted for at least XXX days, property was delisted XX days prior to the application date. LTV is based off of the lowest list price vs the current higher appraised value. Property was listed for sale due to the terms of the divorce, but the terms were amended and therefore property was taken off the market and awarded to the borrower - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | DTI - XX.XX% DTI is below the maximum XX% DTI by XX.XX%.<br> Borrower has lived in subject property X years. <br> XxXX mortgage history for XX months. | MD | Primary Residence | Refinance | Cash Out - Other | 6954468 | Originator Pre-Close | Yes |
| XXXX | xxxxxx3838 |  |  | Closed | 2026-01-06 22:29 | 2026-01-06 22:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) 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-XXX and the Final Closing disclosure on Pg#XXX, Finding 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 is provided on page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XX%) 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-XXX and the Final Closing disclosure on Pg#XXX, Finding 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 is provided on page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 6950930 | N/A | N/A |
| XXXX | xxxxxx3838 |  |  | Closed | 2026-01-06 22:29 | 2026-01-06 22:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XX%) equals or exceeds the Maryland Higher-Priced Mortgage 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%). (COMAR XX.XX.XX.XX(B)(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-XXX and the Final Closing disclosure on Pg#XXX, Finding 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 is provided on page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XX%) equals or exceeds the Maryland Higher-Priced Mortgage 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%). (COMAR XX.XX.XX.XX(B)(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-XXX and the Final Closing disclosure on Pg#XXX, Finding 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 is provided on page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 6950928 | N/A | N/A |
| XXXX | xxxxxx2883 |  |  | Closed | 2026-01-07 21:34 | 2026-01-09 13:36 | 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#'s 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, 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 XX, XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | 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 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, 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 XX, XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6974679 | N/A | N/A |
| XXXX | xxxxxx1648 |  |  | Closed | 2026-01-11 03:36 | 2026-01-22 06:52 | Resolved | 1 - Information C A | Compliance | Mavent | HigherPriced: APR | Resolved-Document Uploaded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This loan is impounded, included the property insurance. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - 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. This loan is impounded, included the property insurance. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. This loan is impounded, included the property insurance. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This loan is impounded, included the property insurance. - XXXXXX-XX/XX/XXXX<br>| Resolved-Document Uploaded. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX XXX and XXXX.XXX<br>XXXX Property Insurance Policy.XXX |  |  | DE | Primary Residence | Purchase | NA | 7025488 | N/A | N/A |
| XXXX | xxxxxx1648 |  |  | Closed | 2026-01-11 02:49 | 2026-01-14 01:57 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - 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. Cleared alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts 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 - XXXXXX-XX/XX/XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<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>| XXXX Cleared Alerts.XXX |  |  | DE | Primary Residence | Purchase | NA | 7025427 | N/A | N/A |
| XXXX | xxxxxx1648 |  |  | Closed | 2026-01-11 03:36 | 2026-01-20 11:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Loan meets HPML Guidelines - Loan is compliant - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-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#'sXXX, and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Loan meets HPML Guidelines - Loan is compliant - XXX XXXXXXXXXX XXXXXX-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#'sXXX, and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX,XXX,XXX. An interior and exterior appraisal was completed for this property – see pg#'sXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX,XXX,XXX. and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | DE | Primary Residence | Purchase | NA | 7025486 | N/A | N/A |
| XXXX | xxxxxx5195 |  |  | Closed | 2026-01-07 23:20 | 2026-01-29 01:24 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Policy - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide updated title as the loan amount is less than actual loan amount in title. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Policy - XXXXXX-XX/XX/XXXX<br>| Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXXXXXX.XXX |  |  | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6975281 | N/A | N/A |
| XXXX | xxxxxx5195 |  |  | Closed | 2026-01-08 01:23 | 2026-01-14 06:36 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide updated XXXX as the provided one on page XXX<br> X. XXXX Shows Incorrect LTV and incorrect loan amount $XXX,XXX, correct loan amount is $XXX,XXX, incorrect loan amount leads to incorrect LTV XX.XX, correct LTV is XX%.<br> X. XXXX shows incorrect P&I amount $XXXX.XX, our calculated P&I $XXXX.XX matching with Note page XXX and Final CD page XXX.<br> X. XXXX shows incorrect HOA amount $XX whereas as per appraisal page XX HOA is $XXX/XX = $XX.XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated XXXX document uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXXX XXXXXX.XXX |  |  | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6976212 | N/A | N/A |
| XXXX | xxxxxx5195 |  |  | Closed | 2026-01-08 00:04 | 2026-01-14 02:13 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-XXX XXXX statement for acct #XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Business bank statement - Seller-XX/XX/XXXX <br>Open-Borrower is qualifying with XX month bank statement for the business XX XXXXX XXX, Verified only XX months statements, XXX XXXX statement acct #XXXX is missing in file, Provide XXX XXXX statement to complete XX months statements. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Business bank statement - Seller-XX/XX/XXXX<br>| Resolved-XXX XXXX statement for acct #XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXXXX XXXX XXXXXXXXX XXXXXX.XXX |  |  | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6975606 | N/A | N/A |
| XXXX | xxxxxx5195 |  |  | Closed | 2026-01-08 02:06 | 2026-01-12 06:47 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Waived- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan 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 closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Loan failed North Carolina rate spread home loan as per final cd page XXX APR is X.XXX and loan APR X.XXX equals or exceeds the North Carolina Rate Spread Home Loan, 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. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Waived- - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | Per External Counsel Appropriate to Waive as a B Grade | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6976350 | Originator Post-Close | No |
| XXXX | xxxxxx5195 |  |  | Closed | 2026-01-08 02:06 | 2026-01-08 02:14 | 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,XXX and the Final Closing disclosure on Pg #XXX, Finding 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 and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | 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,XXX and the Final Closing disclosure on Pg #XXX, Finding 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 and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX,XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6976348 | N/A | N/A |
| XXXX | xxxxxx8651 |  |  | Closed | 2026-01-08 02:52 | 2026-01-15 13:30 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Proof for Gift Funds of $XXX uploaded, Verified & entered in system - Resolved<br> - 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. Gift funds - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements We have Gift funds $XXX as per the Final XXXX & Final HUD-X Document but proof of document missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Gift funds - Seller-XX/XX/XXXX<br>| Resolved-Proof for Gift Funds of $XXX uploaded, Verified & entered in system - Resolved<br> - 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>| XXXXXXXX XXXXX XXXX.XXX |  |  | MO | Investment | Refinance | No Cash Out - Borrower Initiated | 6976530 | N/A | N/A |
| XXXX | xxxxxx8651 |  |  | Closed | 2026-01-08 02:25 | 2026-01-14 01:39 | 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 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>| 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>| XXXXXXXX XXXXXXX XXXXXX.XXX |  |  | MO | Investment | Refinance | No Cash Out - Borrower Initiated | 6976422 | N/A | N/A |
| XXXX | xxxxxx8651 |  |  | Closed | 2026-01-09 12:02 | 2026-01-10 09:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. final XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Only have pages X of X of the final XXXX in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. final XXXX - Seller-XX/XX/XXXX<br>| Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXX.XXX |  |  | MO | Investment | Refinance | No Cash Out - Borrower Initiated | 7012705 | N/A | N/A |
| XXXX | xxxxxx9053 |  |  | Closed | 2026-01-08 05:01 | 2026-01-14 07:01 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Proof for Real Estate proceeds uploaded, Verified & entered in system - Resolved<br> - 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-Sale of Property Signed Statement - 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-Sale of Property Signed Statement - Seller-XX/XX/XXXX<br>| Resolved-Proof for Real Estate proceeds uploaded, Verified & entered in system - Resolved<br> - 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>| XXXXXXX XXXX XX XXXXXXXX.XXX |  |  | GA | Investment | Purchase | NA | 6977472 | N/A | N/A |
| XXXX | xxxxxx9053 |  |  | Closed | 2026-01-08 05:05 | 2026-01-13 23:32 | 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<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 Per the XXXXXXXXX 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>| 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>| XXXXXXX XXXXXXX XXXXXX.pdf |  |  | GA | Investment | Purchase | NA | 6977516 | N/A | N/A |
| XXXX | xxxxxx9053 |  |  | Closed | 2026-01-08 04:40 | 2026-01-13 04:02 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FNMA SSR (CU) 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. FNMA SSR - score of X.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 Per the XXXXXXXXX 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. FNMA SSR - score of X.X - Seller-XX/XX/XXXX<br>| Resolved-FNMA SSR (CU) 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>| XXXXXXX XXXXXX XXX.pdf |  |  | GA | Investment | Purchase | NA | 6977294 | N/A | N/A |
| XXXX | xxxxxx3074 |  |  | Closed | 2026-02-05 08:41 | 2026-02-19 07:49 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Not required. Lender confirmed subject is a primary purchase. Documentation has been revised to primary transaction. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-XXXX not currently resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX uploaded. - Seller-XX/XX/XXXX <br>Counter-Exception to be considered once XXXX finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide the market rent per section X.X.X of the GL. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-XXXX uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXXXXXXXX XXXXXXXXX.pdf<br>XXXXXXXX XXXXXXX XXXXXXXX.pdf |  |  | MA | Primary Residence | Purchase | NA | 7465316 | N/A | N/A |
| XXXX | xxxxxx3074 |  |  | Closed | 2026-01-09 13:14 | 2026-02-19 07:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-XXXX provided has corrected income and occupancy as primary. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The provided XXXX has updated income, however states the subject is an investment purchase transaction. Provide a revised XXXX indicating the subject is a primary purchase as stated for other findings. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX in the original file shows the subject transaction to be a primary purchase on page XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Provide a revised XXXX with the income amount equal to the income worksheet on page 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>| Resolved-XXXX provided has corrected income and occupancy as primary. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX in the original file shows the subject transaction to be a primary purchase on page XXX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXX XXXX.pdf |  |  | MA | Primary Residence | Purchase | NA | 7014184 | N/A | N/A |
| XXXX | xxxxxx3074 |  |  | Closed | 2026-01-08 22:31 | 2026-02-19 07:47 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-LA & bid tape now confirm subject is a primary purchase transaction. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Bid tape and LA show as investment, however confirmation of other findings you are stating this is a primary purchase. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-received corrected BID tape as investment - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Corrected Bid Tape - Seller-XX/XX/XXXX <br>Counter-Tape indicates subject transaction is a primary residence. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The LA and the revised final XXXX showing the occupancy as investment is correct, thank you! - Seller-XX/XX/XXXX <br>Counter-LA provided indicates the subject is an investment property. Confirm the occupancy status as the loan was submitted as a primary residence. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-As per Final XXXX & Occupancy Certification, Borrower occupancy status is verified to be Primary Residence whereas the lender approval form reflects occupancy as Investment Property. Provide updated Lender Approval Form. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Corrected Bid Tape - Seller-XX/XX/XXXX <br>Ready for Review-The LA and the revised final XXXX showing the occupancy as investment is correct, thank you! - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-LA & bid tape now confirm subject is a primary purchase transaction. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-received corrected BID tape as investment - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXX XXXXXXXX.pdf<br>XXXXXXXXXX_XXXXXXXX_BID TAPE.xlsx |  |  | MA | Primary Residence | Purchase | NA | 6999157 | N/A | N/A |
| XXXX | xxxxxx3074 |  |  | Closed | 2026-01-08 20:46 | 2026-02-19 07:44 | 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 <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The tape provided shows this transaction as an investment property. Provide a revised tape and confirmation the subject is a primary purchase. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-received confirmation from client this is a primary purchase, updated XXXX and final XXXX show this - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX provided does not include the borrower's primary residence rental of $X,XXX in the liabilities and still states the subject is O/O. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Document uploaded. See attached. - Seller-XX/XX/XXXX <br>Open-XXXX does not take into account the borrower's primary rent of $X,XXX. Provide a revised XXXX with DTI to meet GL. - 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. Corrected Bid Tape - Seller-XX/XX/XXXX <br>Counter-Tape indicates subject transaction is a primary residence. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The LA and the revised final XXXX showing the occupancy as investment is correct, thank you! - Seller-XX/XX/XXXX <br>Counter- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The XXXX provided identifies the subject transaction as an investment property. Loan submitted is for a primary residence. - 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. As per Final XXXX & Occupancy Certification, Borrower occupancy status is verified to be Primary Residence whereas the XXXX reflects occupancy as Investment Property. Provide updated XXXX with corrected occupancy status, proposed monthly payments and income to match income worksheet. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Document uploaded. See attached. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Corrected Bid Tape - Seller-XX/XX/XXXX <br>Ready for Review-The LA and the revised final XXXX showing the occupancy as investment is correct, thank you! - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-received confirmation from client this is a primary purchase, updated XXXX and final XXXX show this - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX provided does not include the borrower's primary residence rental of $X,XXX in the liabilities and still states the subject is O/O. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX - XXXXXXXX.pdf<br>XXXXXXXX XXXXXXX XXXXXXXX.pdf |  |  | MA | Primary Residence | Purchase | NA | 6998659 | N/A | N/A |
| XXXX | xxxxxx3074 |  |  | Closed | 2026-01-08 21:37 | 2026-02-10 07:54 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br> Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The policy includes walls in coverage, HO6 not required, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The policy includes walls in coverage, therefore no HO6 needed. Thank you. - Seller-XX/XX/XXXX <br> Open-Provide the HO-6 policy. - Due Diligence Vendor-XX/XX/XXXX <br> Open-HO-6 Insurance Policy is Missing Provide HO-6 Insurance Policy, Missing in File - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The policy includes walls in coverage, therefore no HO6 needed. Thank you. - Seller-XX/XX/XXXX<br>| Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The policy includes walls in coverage, HO6 not required, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX XXX XXXXXX.pdf |  |  | MA | Primary Residence | Purchase | NA | 6998988 | N/A | N/A |
| XXXX | xxxxxx3074 |  |  | Closed | 2026-01-29 08:17 | 2026-02-05 08:13 | Resolved | 1 - Information C A | Credit | Credit | Certificate of Investment Purpose Disclosure is missing | Resolved-Revised occupancy affidavit indicating subject is an investment property. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The occupancy affidavit in the file (page XX & XXX) indicate the subject is a primary residence. Per the tape, LA, XXXX and revised XXXX the subject is an investment property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Revised occupancy affidavit indicating subject is an investment property. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXXXX XXXXXXXXX.pdf |  |  | MA | Primary Residence | Purchase | NA | 7350753 | N/A | N/A |
| XXXX | xxxxxx8971 |  |  | Closed | 2026-01-09 07:37 | 2026-01-15 13:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Guaranty Agreement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>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 Provide the Guaranty Agreement Doc is Missing in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Guaranty agreement - Seller-XX/XX/XXXX<br>| Resolved-Guaranty Agreement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_XXXXXXXX.pdf |  |  | GA | Investment | Purchase | NA | 7004355 | N/A | N/A |
| XXXX | xxxxxx8971 |  |  | Closed | 2026-01-12 11:13 | 2026-01-15 06:14 | Resolved | 1 - Information C A | Credit | Eligibility | Cash reserves less than required by guidelines | Resolved-Received wire for XXXX exchange updated asset page - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final Funds - Seller-XX/XX/XXXX <br>Open-Need the wire confirmation and hud for the XXXX exchange funds in amount of XXX,XXX.XX based on letter on page. XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final Funds - Seller-XX/XX/XXXX<br>| Resolved-Received wire for XXXX exchange updated asset page - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXX.pdf |  |  | GA | Investment | Purchase | NA | 7046238 | N/A | N/A |
| XXXX | xxxxxx8971 |  |  | Closed | 2026-01-09 19:22 | 2026-01-15 01:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Missing. Provide the final HUD1 document with closing data XX/XX/XXXX in file we have XX/XX/XXXX date HUD1 - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final SS - Seller-XX/XX/XXXX<br>| Resolved-Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX.pdf |  |  | GA | Investment | Purchase | NA | 7020370 | N/A | N/A |
| XXXX | xxxxxx8971 |  |  | Closed | 2026-01-09 09:10 | 2026-01-15 01:04 | 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>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 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>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - 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>| XXXXXXX XXXXXX.pdf |  |  | GA | Investment | Purchase | NA | 7007909 | N/A | N/A |
| XXXX | xxxxxx8971 |  |  | Closed | 2026-01-09 06:48 | 2026-01-13 23:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final XXXX document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Provide the final XXXX, it is not available in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final XXXX - Seller-XX/XX/XXXX<br>| Resolved-Final XXXX document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_XXXX.pdf |  |  | GA | Investment | Purchase | NA | 7002684 | N/A | N/A |
| XXXX | xxxxx1560 |  |  | Closed | 2026-01-12 04:54 | 2026-01-12 11:59 | 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 XXXX 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 XXXXXXXXXX X. 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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX 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 XXXXXXXXXX X. 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. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding 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#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | DC | Primary Residence | Refinance | Cash Out - Other | 7032373 | N/A | N/A |
| XXXX | xxxxx1603 |  |  | Closed | 2026-01-12 03:48 | 2026-01-13 04:33 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing income documentation | Waived-Client elects to waive with the following compensating factors:<br> Exception to use XXX% of funds from additional business not being used for income purposes. Borrower owns XX%,<br> per EA. Full access letter in file signed from other owner<br> Exception is on page no XXX - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Client elects to waive with the following compensating factors:<br> Exception to use XXX% of funds from additional business not being used for income purposes. Borrower owns XX%,<br> per EA. Full access letter in file signed from other owner<br> Exception is on page no XXX - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XXX Representative credit score exceeds the minimum required of XXX by XX points<br> XX.XX% DTI is below the maximum XX% DTI by X.XX%.<br> Residual Income Significantly above min X,XXX.XX/ X,XXX min.<br> Borrower Contribution >X% above min- XX/XX min. | FL | Primary Residence | Purchase | NA | 7031156 | Originator Pre-Close | Yes |
| XXXX | xxxxx1603 |  |  | Closed | 2026-01-12 03:35 | 2026-01-13 05:32 | 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#'s XXX and the Final Closing disclosure on Pg#'s XXX 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#'XXX , and copy of the appraisal was given to the borrower – see Pg#' s XXX for the copy of the disclosure. The loan meets HPML guidelines.<br> - 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 |  | 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 and the Final Closing disclosure on Pg#'s XXX 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#'XXX , and copy of the appraisal was given to the borrower – see Pg#' s XXX for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 7031079 | N/A | N/A |
| XXXX | xxxxxx1665 |  |  | Closed | 2026-01-14 02:38 | 2026-01-29 08:41 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The total amount of the XX% category fees on the last Closing Disclosure ($XX.XX) has increased by more than XX% over the current baseline value of ($XX.XX). The total amount of fees in the XX% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 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)). Duplicate finding - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The total amount of the XX% category fees on the last Closing Disclosure ($XX.XX) has increased by more than XX% over the current baseline value of ($XX.XX). The total amount of fees in the XX% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 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)). Duplicate finding - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | GA | Second Home | Purchase | NA | 7081090 | N/A | N/A |
| XXXX | xxxxxx1665 |  |  | Closed | 2026-01-14 02:38 | 2026-01-29 08:41 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. $XX cure check, lox, PCCD & tracking - Seller-XX/XX/XXXX <br>Open-The total amount of the XX% category fees ($XX.XX) has increased by more than XX% over the current baseline value of ($XX.XX). The total amount of fees in the XX% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 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)). Recording fee increased more than XX% from initial cd to final cd. Provide COC for same. - 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. $XX cure check, lox, PCCD & tracking - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX $XX cure check, lox, PCCD & tracking.XXX |  |  | GA | Second Home | Purchase | NA | 7081091 | N/A | N/A |
| XXXX | xxxxxx1665 |  |  | Closed | 2026-01-14 02:42 | 2026-01-21 08:18 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Updated Initial XXXX uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial XXXX - Seller-XX/XX/XXXX <br>Open-One in file LO signature is missing. Provide Initial XXXX with LO signature - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial XXXX - Seller-XX/XX/XXXX<br>| Resolved-Updated Initial XXXX uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX INITIAL XXXX SIGNED BY LO.XXX |  |  | GA | Second Home | Purchase | NA | 7081116 | N/A | N/A |
| XXXX | xxxxxx1665 |  |  | Closed | 2026-01-14 00:43 | 2026-01-16 07:16 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Property and Master insurance - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX. Provide HOI with sufficient dwelling amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Property and Master insurance - Seller-XX/XX/XXXX<br>| Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX Property Insurance Policy.XXX<br>XXXXXX Master Insurance Policy.XXX |  |  | GA | Second Home | Purchase | NA | 7080586 | N/A | N/A |
| XXXX | xxxxxx1665 |  |  | Closed | 2026-01-14 00:56 | 2026-01-16 02:14 | 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>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 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 cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| 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>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX Cleared Alerts.XXX |  |  | GA | Second Home | Purchase | NA | 7080634 | N/A | N/A |
| XXXX | xxxxxx7780 |  |  | Closed | 2026-01-12 03:21 | 2026-01-14 13:19 | 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 Per the GL XXX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alerts. 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>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 7030907 | N/A | N/A |
| XXXX | xxxxxx7780 |  |  | Closed | 2026-01-12 04:47 | 2026-01-13 01:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (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 page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX, XXX . 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 |  | 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 page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX, XXX . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7032214 | N/A | N/A |
| XXXX | xxxxxx7780 |  |  | Closed | 2026-01-12 04:47 | 2026-01-13 01:49 | 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#'s __XXX__ and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX-XX , and copy of the appraisal was given to the borrower – see Pg#'s XX-XX<br> 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 |  | 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__ and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXX-XX , and copy of the appraisal was given to the borrower – see Pg#'s XX-XX<br> for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7032212 | N/A | N/A |
| XXXX | xxxxx2896 |  |  | Closed | 2026-01-17 20:18 | 2026-01-20 06:52 | 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)) The loan meets HPML Guidelines and is a Compliant HPML loan.<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#'s XXXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. 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 |  | 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 Guidelines and is a Compliant HPML loan.<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#'s XXXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | VA | Primary Residence | Purchase | NA | 7155185 | N/A | N/A |
| XXXX | xxxxxx4764 |  |  | Closed | 2026-01-14 11:15 | 2026-01-15 06:29 | Resolved | 1 - Information B A | Credit | Credit Worthiness | Mortgage history for primary residence less than 12 months | Resolved-Received property report for prior primary updated credit page with housing history for prior residence - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Need property report for XXX XXXXXXXXX XXX to verify property on credit report. LOX in file is from June of XXXX not XX months - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received property report for prior primary updated credit page with housing history for prior residence - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXXXXX XXXXXXXX XXXXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 7091003 | N/A | N/A |
| XXXX | xxxxxx3919 |  |  | Closed | 2026-01-16 03:52 | 2026-01-16 08:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX, 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#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX-XXX. The loan meets HPML guidelines, resolved. <br> - 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 |  | Resolved-The loan's (X.XX%) 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX, 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#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX-XXX. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 7131467 | N/A | N/A |
| XXXX | xxxxxx4157 |  |  | Closed | 2026-01-16 10:27 | 2026-01-20 08:03 | 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX, 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#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX, XXX. The loan meets HPML guidelines, resolved. <br> - 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 |  | 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX, 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#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX, XXX. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 7141049 | N/A | N/A |
| XXXX | xxxxx2976 |  |  | Closed | 2026-01-18 23:33 | 2026-01-22 12:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - 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#XXX and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# 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 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - 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#XXX and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# 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>|  |  |  | WA | Primary Residence | Purchase | NA | 7159117 | N/A | N/A |
| XXXX | xxxxx2976 |  |  | Closed | 2026-01-22 08:38 | 2026-01-22 08:41 | Resolved | 1 - Information A | Compliance | Mavent | Fees: Limited | Resolved-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)) Recording fee includes foreclosure prevention fee iao $XX.XX as listed on the Alta Statement page X - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-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)) Recording fee includes foreclosure prevention fee iao $XX.XX as listed on the Alta Statement page X - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | WA | Primary Residence | Purchase | NA | 7241700 | N/A | N/A |
| XXXX | xxxxx2903 |  |  | Closed | 2026-01-21 07:10 | 2026-01-22 05:16 | Resolved | 1 - Information C A | Credit | Credit | Missing verification of self employment. | Resolved-Tax Preparer Questionnaire received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Tax Preparer Questionnaire - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Tax Preparer Questionnaire received. - Due Diligence Vendor-XX/XX/XXXX<br>| X&X XXX XXXXXXXX XXXXXX.XXX |  |  | TX | Primary Residence | Purchase | NA | 7201614 | N/A | N/A |
| XXXX | xxxxx2903 |  |  | Closed | 2026-01-19 02:26 | 2026-01-22 12:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - 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 and the Final Closing disclosure on Pg#'s XXX 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 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX-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 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - 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 and the Final Closing disclosure on Pg#'s XXX 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 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX-XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 7160042 | N/A | N/A |
| XXXX | xxxxx1705 |  |  | Closed | 2026-01-21 10:12 | 2026-01-30 05:47 | Cured | 2 - Non-Material C B | Compliance | Mavent | HighCost: Fees | Cured- - Due Diligence Vendor-XX/XX/XXXX <br>Cured-PCCD received and refund to Borrower iao $XXX.XX - 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>Cured-PCCD received and refund to Borrower iao $XXX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan fees ($XX,XXX.XX) exceed the (NJ) High Cost fee limit, which is ($XX,XXX.XX), the difference is ($XXX.XX). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Provide PCCD to cure - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan fees ($XX,XXX.XX) exceed the (NJ) High Cost fee limit, which is ($XX,XXX.XX), the difference is ($XXX.XX). Document Uploaded. Document Uploaded. The loan fees ($XX,XXX.XX) exceed the (NJ) High Cost fee limit, which is ($XX,XXX.XX), the difference is ($XXX.XX). See attached. - 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. - Seller-XX/XX/XXXX<br>| Cured-PCCD received and refund to Borrower iao $XXX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Cured-PCCD received and refund to Borrower iao $XXX.XX - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX- XXXX XXXX XXXX.XXX<br>Check - XXXXXXXXX.XXX<br>LOX - XXXXXXXXX.XXX<br>FedEx - XXXXXXXXX.XXX<br>PCCD - XXXXXXXXX.XXX |  |  | NJ | Primary Residence | Purchase | NA | 7211017 | N/A | N/A |
| XXXX | xxxxx1705 |  |  | Closed | 2026-01-17 21:41 | 2026-01-30 05:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - 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>Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - 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 <br>Resolved-The loan meets HPML Guidelines 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)) 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 and the Final Closing disclosure on Pg#'s XXX 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, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX and 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 |  | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - 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 and the Final Closing disclosure on Pg#'s XXX 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, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX and XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 7155266 | N/A | N/A |
| XXXX | xxxxx2789 |  |  | Closed | 2026-01-22 09:49 | 2026-01-23 05:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Revised LE dated XX/XX/XXXX and related COC received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide Revised LE dated XX/XX/XXXX and related COC. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Revised LE dated XX/XX/XXXX and related COC received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XX.XXX |  |  | NC | Primary Residence | Purchase | NA | 7246605 | N/A | N/A |
| XXXX | xxxxx2789 |  |  | Closed | 2026-01-19 01:37 | 2026-01-23 05:04 | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan 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 closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Client acknowledges as immaterial. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Acknowledged-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan 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 closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Client acknowledges as immaterial. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Acknowledged-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan 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 closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Client acknowledges as immaterial. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Acknowledged-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan 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 closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Client acknowledges as immaterial. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | NC | Primary Residence | Purchase | NA | 7159673 | Originator Post-Close | No |
| XXXX | xxxxx2789 |  |  | Closed | 2026-01-19 00:59 | 2026-01-22 23:53 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Updated HoX policy updated, Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> 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 - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Provide HOI Policy with effective date on or about XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated HoX policy updated, Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX, Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>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 - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXX.pdf |  |  | NC | Primary Residence | Purchase | NA | 7159480 | N/A | N/A |
| XXXX | xxxxx2789 |  |  | Closed | 2026-01-19 01:37 | 2026-01-23 05:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-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 and the Final Closing disclosure on Pg#'s XXX 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 , the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-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 and the Final Closing disclosure on Pg#'s XXX 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 , the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-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 and the Final Closing disclosure on Pg#'s XXX 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 , the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-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 and the Final Closing disclosure on Pg#'s XXX 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 , the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | NC | Primary Residence | Purchase | NA | 7159671 | N/A | N/A |
| XXXX | xxxxx2857 |  |  | Closed | 2026-01-19 22:10 | 2026-01-22 06:24 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-No condition needed as per guidelines as we can add additional reserves when we don't have sufficient housing history, updated & condition 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. Extra reserves in lieu of housing history. See UW notes. - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Final XXXX reflects no evidence of existing mortgage. Primary Residence is a mobile home. Provide evidence of no ground rent, ground rent history or additional evidence of free and clear ownership. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Extra reserves in lieu of housing history. See UW notes. - XXXXXX-XX/XX/XXXX<br>| Resolved-No condition needed as per guidelines as we can add additional reserves when we don't have sufficient housing history, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XX XXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 7172943 | N/A | N/A |
| XXXX | xxxxx2857 |  |  | Closed | 2026-01-19 22:10 | 2026-01-22 06:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. Provide initial credit report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 7172945 | N/A | N/A |
| XXXX | xxxxx2857 |  |  | Closed | 2026-01-19 22:10 | 2026-01-22 06:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Provide GAP credit report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested gap credit report provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXX XXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 7172946 | N/A | N/A |
| XXXX | xxxxx2857 |  |  | Closed | 2026-01-19 21:13 | 2026-01-22 01:25 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX document provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provide XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Requested XXXX document provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX - XXXXXXXXXXX XXXXXXX.pdf |  |  | TX | Primary Residence | Purchase | NA | 7172692 | N/A | N/A |
| XXXX | xxxxx2857 |  |  | Closed | 2026-01-19 23:27 | 2026-01-22 12:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - XXX XXXXXXXXXX XXXXXX-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)(X)) 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 the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XXXand copy of the appraisal was given to the borrower see Pg# XXX for the copy of the disclosure. The loan meets HPML guidelines.<br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - XXX XXXXXXXXXX XXXXXX-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)(X)) 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 the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page# XX the appraisal disclosure was provided to the borrower(s)- see Pg# XXXand copy of the appraisal was given to the borrower see Pg# XXX for the copy of the disclosure. The loan meets HPML guidelines.<br>- XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | TX | Primary Residence | Purchase | NA | 7173332 | N/A | N/A |
| XXXX | xxxxxx5305 |  |  | Closed | 2026-01-20 03:38 | 2026-01-27 07:17 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report and purchase contract. As per the purchase contract for their previous primary located at XXXXX XXXXX XXX XXXX, they were allowed to remain in the property until the closing of this transaction. please see screen shot. - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Provide XX months housing history, unable to verify housing history. No supporting documents to verify. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit report and purchase contract. As per the purchase contract for their previous primary located at XXXXX XXXXX XXX XXXX, they were allowed to remain in the property until the closing of this transaction. please see screen shot. - XXXXXX-XX/XX/XXXX<br>| Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX XX.jpg |  |  | FL | Primary Residence | Purchase | NA | 7174512 | N/A | N/A |
| XXXX | xxxxxx4664 |  |  | Closed | 2026-01-21 00:15 | 2026-01-23 10:34 | 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)(X)) <br> The loan meets HPML Guidelines and is a Compliant HPML loan.<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#'s XXX-XXX and the Final Closing disclosure on Pg#'sXXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX-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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | 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)(X)) <br> The loan meets HPML Guidelines and is a Compliant HPML loan.<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#'s XXX-XXX and the Final Closing disclosure on Pg#'sXXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX-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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7196327 | N/A | N/A |
| XXXX | xxxxxx4664 |  |  | Closed | 2026-01-21 00:15 | 2026-01-23 10:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (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)(X)) The loan meets HPML Guidelines and is a Compliant HPML loan.<br>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)(X)) 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#'sXXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX-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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | 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)(X)) The loan meets HPML Guidelines and is a Compliant HPML loan.<br>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)(X)) 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#'sXXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX-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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7196328 | N/A | N/A |
| XXXX | xxxxx2899 |  |  | Closed | 2026-01-27 03:44 | 2026-01-27 04:20 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-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)(X)) 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 the Final Closing disclosure on Pg# XX 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 and copy of the appraisal was given to the borrower – see Pg# XXX-XXX for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-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)(X)) . - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - XXX XXXXXXXXXX XXXXXX-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)(X)) 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 the Final Closing disclosure on Pg# XX 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 and copy of the appraisal was given to the borrower – see Pg# XXX-XXX for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | . | CO | Primary Residence | Purchase | NA | 7307579 | N/A | N/A |
| XXXX | xxxxx2899 |  |  | Closed | 2026-01-25 08:15 | 2026-01-27 04:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received loan estimate (LE) dated XX/XX/XXXX and corresponding change of circumstance (COC), resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing loan estimate (LE) dated XX/XX/XXXX and corresponding change of circumstance (COC) if applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received loan estimate (LE) dated XX/XX/XXXX and corresponding change of circumstance (COC), resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX XXX X XX.pdf |  |  | CO | Primary Residence | Purchase | NA | 7284150 | N/A | N/A |
| XXXX | xxxxx2899 |  |  | Closed | 2026-01-25 08:13 | 2026-01-27 04:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Closing Disclosure Missing closing disclosure (CD) dated XX/XX/XXXX and corresponding change of circumstance (COC), resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing closing disclosure (CD) dated XX/XX/XXXX and corresponding change of circumstance (COC) if applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received Closing Disclosure Missing closing disclosure (CD) dated XX/XX/XXXX and corresponding change of circumstance (COC), resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XX.pdf |  |  | CO | Primary Residence | Purchase | NA | 7284146 | N/A | N/A |
| XXXX | xxxxx2899 |  |  | Closed | 2026-01-25 07:23 | 2026-01-27 04:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Received initial closing disclosure (CD) dated XX/XX/XXXX and corresponding change of circumstance (COC), resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure (CD) dated XX/XX/XXXX and corresponding change of circumstance (COC) if applicable. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received initial closing disclosure (CD) dated XX/XX/XXXX and corresponding change of circumstance (COC), resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XX.pdf |  |  | CO | Primary Residence | Purchase | NA | 7284091 | N/A | N/A |
| XXXX | xxxxx0300 |  |  | Closed | 2026-01-25 08:35 | 2026-01-28 05:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Revised CD and COC received - Due Diligence Vendor-XX/XX/XXXX <br>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: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (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>Ready for Review-Document Uploaded. - Seller-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: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide COC for the increaser of the Loan Amount on the Final CD which increased the Broker Fees, - 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. - Seller-XX/XX/XXXX<br>| Resolved-Revised CD and COC received - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX X XX XX.pdf |  |  | NJ | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7284178 | N/A | N/A |
| XXXX | xxxxx2862 |  |  | Closed | 2026-01-21 01:07 | 2026-02-17 07:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - 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# XXX and the Final Closing disclosure on Pg# 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 and copy of the appraisal was given to the borrower – see Pg# XXX for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - 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 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - 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# XXX and the Final Closing disclosure on Pg# 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 and copy of the appraisal was given to the borrower – see Pg# XXX for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Purchase | NA | 7196561 | N/A | N/A |
| XXXX | xxxxx2862 |  |  | Closed | 2026-01-21 01:07 | 2026-02-17 07:41 | Resolved | 1 - Information A | Compliance | Mavent | HigherPriced: APR | Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-You submitted no impound amounts for property taxes on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) 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 the Final Closing disclosure on Pg# 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 and copy of the appraisal was given to the borrower – see Pg# XXX for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - 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 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-You submitted no impound amounts for property taxes on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(b)) 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 the Final Closing disclosure on Pg# 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 and copy of the appraisal was given to the borrower – see Pg# XXX for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Purchase | NA | 7196564 | N/A | N/A |
| XXXX | xxxxx2862 |  |  | Closed | 2026-01-21 01:07 | 2026-02-17 07:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the Maryland Higher-Priced Mortgage 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%). (COMAR XX.XX.XX.XX(B)(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 the Final Closing disclosure on Pg# 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 and copy of the appraisal was given to the borrower – see Pg# XXX for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - 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 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the Maryland Higher-Priced Mortgage 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%). (COMAR XX.XX.XX.XX(B)(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 the Final Closing disclosure on Pg# 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 and copy of the appraisal was given to the borrower – see Pg# XXX for the copy of the disclosure. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Purchase | NA | 7196560 | N/A | N/A |
| XXXX | xxxxx2974 |  |  | Closed | 2026-01-21 02:13 | 2026-01-30 03:32 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received post CD, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-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)) Washington requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received post CD, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX - XXXXXXXXX.pdf<br>XXXXX - XXXXXXXXX.pdf<br>XXXX - XXXXXXXXX.pdf |  |  | WA | Primary Residence | Purchase | NA | 7196811 | N/A | N/A |
| XXXX | xxxxx2974 |  |  | Closed | 2026-01-21 02:13 | 2026-01-30 03:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-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 <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____ and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX-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 |  | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - 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____ and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XXX-XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | WA | Primary Residence | Purchase | NA | 7196812 | N/A | N/A |
| XXXX | xxxxxx5174 |  |  | Closed | 2026-01-26 04:18 | 2026-01-30 06:24 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator NMLS Status is Unknown | Resolved-Confirmed LO NMLS status per NMLS website. Approved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. NMLS for LO approved, see attached printout. - Seller-XX/XX/XXXX <br>Open-Loan Originator NMLS Status is Unknown Verified NMLS ID not authorized. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. NMLS for LO approved, see attached printout. - Seller-XX/XX/XXXX<br>| Resolved-Confirmed LO NMLS status per NMLS website. Approved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX.XXX |  |  | FL | Primary Residence | Purchase | NA | 7290892 | N/A | N/A |
| XXXX | xxxxxx5174 |  |  | Closed | 2026-01-26 03:16 | 2026-01-30 06:23 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved-Confirmed that LO is approved to do business in FL per NMLS. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached is NMLS printout to show LO is approved - Seller-XX/XX/XXXX <br>Open-The loan originator is not authorized to do business in FL as of XXXX-XX-XX. Verified NMLS ID is not authorized. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached is NMLS printout to show LO is approved - Seller-XX/XX/XXXX<br>| Resolved-Confirmed that LO is approved to do business in FL per NMLS. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX.XXX |  |  | FL | Primary Residence | Purchase | NA | 7290536 | N/A | N/A |
| XXXX | xxxxxx5174 |  |  | Closed | 2026-01-26 03:16 | 2026-01-26 03:27 | 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#'s XXX-XXX and the Final Closing disclosure on Pg#'sXXX-XXX, Finding 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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XX-XX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | 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#'sXXX-XXX, Finding 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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XX-XX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Purchase | NA | 7290534 | N/A | N/A |
| XXXX | xxxxx2016 |  |  | Closed | 2026-01-26 05:08 | 2026-01-28 03:27 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Received initial escrow disclosure, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Initial Escrow Account Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Pages XX-XXX. - Seller-XX/XX/XXXX <br>Open-Required Initial Escrow disclosure document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Pages XX-XXX. - Seller-XX/XX/XXXX<br>| Resolved-Received initial escrow disclosure, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Initial Escrow Account Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX_XXXXXXXXXXXXXX.XXX |  |  | CA | Primary Residence | Purchase | NA | 7291285 | N/A | N/A |
| XXXX | xxxxx2016 |  |  | Closed | 2026-01-27 07:31 | 2026-01-28 03:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Executed 4506-T Missing | Resolved-Received XXXX signed at closing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing Missing XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received XXXX signed at closing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7310186 | N/A | N/A |
| XXXX | xxxxx2016 |  |  | Closed | 2026-01-27 07:31 | 2026-01-28 03:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Received XXXX signed at closing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing Missing XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received XXXX signed at closing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7310185 | N/A | N/A |
| XXXX | xxxxx2016 |  |  | Closed | 2026-01-27 07:31 | 2026-01-28 03:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Received XXXX signed at closing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X Provided - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing Missing XXXX signed at closing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received XXXX signed at closing, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X Provided - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7310184 | N/A | N/A |
| XXXX | xxxxx2016 |  |  | Closed | 2026-01-27 06:43 | 2026-01-28 03:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Client advised .XXXX of the purchase price is used in XXXXXXXXXX for purchases where as the document in file used X.XXXX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-.XXXX of the purchase price is used in XXXXXXXXXX for purchases. - XXXXXX-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Tax cert in file is using X.XXXX states X,XXX.XX annually for $XXX.XX monthly. Final closing disclosure is collecting $XXX.XX a month. Provide correct tax certificate. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-.XXXX of the purchase price is used in XXXXXXXXXX for purchases. - XXXXXX-XX/XX/XXXX<br>| Resolved-Client advised .XXXX of the purchase price is used in XXXXXXXXXX for purchases where as the document in file used X.XXXX, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7309408 | N/A | N/A |
| XXXX | xxxxx2016 |  |  | Closed | 2026-01-26 06:59 | 2026-01-27 06:21 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualifications do not meet requirements | Waived-Asset Qualification Does Not Meet XXXXXXXXX Requirements Client elects to waive with the following compensating factors:<br> Exception Document on # XXX<br> Exception For Min Departure Residence Months Reserves. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Asset Qualification Does Not Meet XXXXXXXXX Requirements Client elects to waive with the following compensating factors:<br> Exception Document on # XXX<br> Exception For Min Departure Residence Months Reserves. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | XX% LTV is below the maximum XX% LTV by XX%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points<br> Borrower has $X,XXX residual income after all expenses. Minimum required per XXXXXXXXX is $X,XXX. | CA | Primary Residence | Purchase | NA | 7292584 | Originator Pre-Close | Yes |
| XXXX | xxxxx2016 |  |  | Closed | 2026-01-26 07:02 | 2026-01-27 06:21 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Client elects to waive with the following compensating factors:<br> Exception Document on # XXX<br>Exception For : Cost to cure to return the garage int o a garage is $X,XXX.XX instead of the XXXXXXXXX max of $X,XXX.XX. Garage has<br> been converted to living space<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Client elects to waive with the following compensating factors:<br> Exception Document on # XXX<br>Exception For : Cost to cure to return the garage int o a garage is $X,XXX.XX instead of the XXXXXXXXX max of $X,XXX.XX. Garage has<br> been converted to living space<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | Borrower has $X,XXX residual income after all expenses. Minimum required per XXXXXXXXX is $X,XXX.<br> XX% LTV is below the maximum XX% LTV by XX%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points | CA | Primary Residence | Purchase | NA | 7292641 | Originator Pre-Close | Yes |
| XXXX | xxxxx2886 |  |  | Closed | 2026-01-22 04:23 | 2026-01-26 15:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.X%) 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 and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XX, XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.X%) 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 and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'s XX, XXX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | IL | Primary Residence | Purchase | NA | 7237345 | N/A | N/A |
| XXXX | xxxxx2995 |  |  | Closed | 2026-01-28 06:00 | 2026-02-03 02:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-XXXX Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Lender Income Worksheets pages XXX and XXX reflect qualifying income iao $XX,XXX.XX. XXXX and XXXX reflect borrower qualifying income $X,XXX.XX. Provide correct lender income worksheet. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Income worksheet provided. Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX _ XXXXXXX XXXXXXXX-XXXX-XXXXXX-XXXXX (X).XXX |  |  | MD | Primary Residence | Purchase | NA | 7326645 | N/A | N/A |
| XXXX | xxxxx2995 |  |  | Closed | 2026-01-27 03:12 | 2026-01-28 09:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the XXXXXXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXX Higher-Priced Mortgage 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%). (COMAR XX.XX.XX.XX(B)(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, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX, 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 XXXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Under the Regulations adopted by the XXXXXXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXX Higher-Priced Mortgage 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%). (COMAR XX.XX.XX.XX(B)(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, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX, 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 XXXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Purchase | NA | 7307351 | N/A | N/A |
| XXXX | xxxxx2995 |  |  | Closed | 2026-01-27 03:12 | 2026-01-28 09:23 | 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#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX, 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 XXXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | 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, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX, 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 XXXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Purchase | NA | 7307352 | N/A | N/A |
| XXXX | xxxxx2993 |  |  | Closed | 2026-01-23 04:56 | 2026-01-26 11:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s) Exception page XXX. <br> Exception Reason: Min Subject Months Reserves- Loan File X.XX, GL Requirement X months + addt'l X months due to borrower living rent free= X months - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Waived-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s) Exception page XXX. <br> Exception Reason: Min Subject Months Reserves- Loan File X.XX, GL Requirement X months + addt'l X months due to borrower living rent free= X months - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  | XX.XX% DTI is below the maximum XX% DTI by X.XX%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points<br> Borrower has $X,XXX residual income after all expenses. Minimum required per guideline is $X,XXX.<br> Borrower Contribution is XX% which is >X% above min XX% of sales price.<br> Borrower has been employed at current job for X years. Guideline Min is X year.<br>| GA | Primary Residence | Purchase | NA | 7264426 | Originator Pre-Close | Yes |
| XXXX | xxxxx2993 |  |  | Closed | 2026-01-23 04:08 | 2026-01-26 12:38 | 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 XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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, and the Final Closing disclosure on Pg#'s XX, 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 XX, XX The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | 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 XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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, and the Final Closing disclosure on Pg#'s XX, 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 XX, XX The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | GA | Primary Residence | Purchase | NA | 7263823 | N/A | N/A |
| XXXX | xxxxx1136 |  |  | Closed | 2026-01-25 23:00 | 2026-01-29 03:23 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-Received signed XXXX, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provided BX, BX final XXXX is not signed by borrowers . Provide final XXXX with Borrowers signature - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received signed XXXX, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXX XXXX.xxx |  |  | AZ | Primary Residence | Purchase | NA | 7288926 | N/A | N/A |
| XXXX | xxxxx1136 |  |  | Closed | 2026-01-25 22:02 | 2026-01-27 04:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received Closing Disclosure Missing closing disclosure (CD) dated XX/XX/XXXX and corresponding change of circumstance (COC), resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-See other condition for X/XX. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-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: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXXX.XX(e)(X); XX CFR XXXXX.XX(e)(X); XX CFR XXXXX.XX(f)(X)(v)). COC is required for increase in discount point fee - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-See other condition for X/XX. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received Closing Disclosure Missing closing disclosure (CD) dated XX/XX/XXXX and corresponding change of circumstance (COC), resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 7288489 | N/A | N/A |
| XXXX | xxxxx1136 |  |  | Closed | 2026-01-26 07:41 | 2026-01-27 04:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Closing Disclosure Missing closing disclosure (CD) dated XX/XX/XXXX and corresponding change of circumstance (COC), resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing closing disclosure (CD) dated XX/XX/XXXX and corresponding change of circumstance (COC) if applicable. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received Closing Disclosure Missing closing disclosure (CD) dated XX/XX/XXXX and corresponding change of circumstance (COC), resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXXXX XX X XX.xxx |  |  | AZ | Primary Residence | Purchase | NA | 7293433 | N/A | N/A |
| XXXX | xxxxx1136 |  |  | Closed | 2026-01-25 20:41 | 2026-01-26 23:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Proof for verification of housing history uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-VOR/VOM Doc Status should not be 'Missing'. Missing verification of housing history. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Proof for verification of housing history uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXX and explanation.xxx |  |  | AZ | Primary Residence | Purchase | NA | 7287776 | N/A | N/A |
| XXXX | xxxxx0123 |  |  | Closed | 2026-01-22 02:30 | 2026-01-26 09:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) 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 XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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 and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX-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 copy of the appraisal was given to the borrower – see Pg#'s _XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XX%) 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 XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.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 §XXXXX.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 and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX-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 copy of the appraisal was given to the borrower – see Pg#'s _XX for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>|  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 7236563 | N/A | N/A |
| XXXX | xxxxxx1771 |  |  | Closed | 2026-01-23 02:36 | 2026-01-29 23:56 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Updated Gift letter, wire proof & PCCD uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached both funds receipt and post close CD with final donor amount in order for borrower to meet X% of their own funds. updated gift letter<br>- Seller-XX/XX/XXXX <br>Open-Asset X Does Not Meet Guideline Requirements Provide proof of gift deposit $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Attached both funds receipt and post close CD with final donor amount in order for borrower to meet X% of their own funds. updated gift letter<br>- Seller-XX/XX/XXXX<br>| Resolved-Updated Gift letter, wire proof & PCCD uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX XXXXX.XXX<br>XXXX XXXXX XX - XXXXXXXX XXXXXX.XXX<br>XXXX XXXXXX XXX,XXX.XX.XXX |  |  | FL | Primary Residence | Purchase | NA | 7262773 | N/A | N/A |
| XXXX | xxxxx2854 |  |  | Closed | 2026-01-28 07:11 | 2026-02-03 03:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received title commitment with all sections, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Document is Incomplete Only have schedule A part X. Provide schedule B-I, B-II, etc. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received title commitment with all sections, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX- XXXXXXX XXXXX X.XXX<br>XXXXX.XXX |  |  | NJ | Primary Residence | Purchase | NA | 7327735 | N/A | N/A |
| XXXX | xxxxx2854 |  |  | Closed | 2026-01-27 01:02 | 2026-01-28 07:54 | 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#'s XXX and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX-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-XX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | 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 and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX-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-XX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 7306908 | N/A | N/A |
| XXXX | xxxxx2741 |  |  | Closed | 2026-01-27 00:45 | 2026-01-27 11:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - 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 and the Final Closing disclosure on Pg#'s XXX 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, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'sXXX 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 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - 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 and the Final Closing disclosure on Pg#'s XXX 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, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX , and copy of the appraisal was given to the borrower – see Pg#'sXXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | GA | Primary Residence | Purchase | NA | 7306830 | N/A | N/A |
| XXXX | xxxxx2081 |  |  | Closed | 2026-02-05 22:19 | 2026-02-13 07:55 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Updated gap credit report required - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested gap credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX<br>| XXX.XXX |  |  | NC | Primary Residence | Purchase | NA | 7482005 | N/A | N/A |
| XXXX | xxxxxx4458 |  |  | Closed | 2026-02-16 22:27 | 2026-02-20 07:32 | Resolved | 1 - Information C 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)) 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 and the Final Closing disclosure on Pg#'s XXX, Finding 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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open-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. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX<br> 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 in file <br> and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-What is missing?<br> - Seller-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-What is missing?<br> - Seller-XX/XX/XXXX<br>| Resolved-The loan meets HPML guidelines - 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 and the Final Closing disclosure on Pg#'s XXX, Finding 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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | DC | Primary Residence | Refinance | Cash Out - Other | 7644694 | N/A | N/A |
| XXXX | xxxxxx7391 |  |  | Closed | 2026-02-18 23:15 | 2026-02-20 12:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the Maryland Higher-Priced Mortgage 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%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan.<br>Appraisal delivery Document on page XXX. - 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 |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the Maryland Higher-Priced Mortgage 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%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan.<br>Appraisal delivery Document on page XXX. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 7690685 | N/A | N/A |
| XXXX | xxxxxx7391 |  |  | Closed | 2026-02-18 23:15 | 2026-02-20 12:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX 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 XXX XXXX.XX(a)(X)(X)) The loan meets XXXXX Guidelines and is a Compliant XXXXX loan.<br>Appraisal delivery Document on page XXX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX 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 XXX XXXX.XX(a)(X)(X)) The loan meets XXXXX Guidelines and is a Compliant XXXXX loan.<br>Appraisal delivery Document on page XXX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>|  |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 7690686 | N/A | N/A |
| XXXX | xxxxxx6998 |  |  | Closed | 2026-02-18 04:22 | 2026-02-24 07:31 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-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: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(f)(X)(v)). Required COC for increase in Loan Discount Fee from Revised LE to CD. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXXXXXXXX INITIAL CD COC.XXX |  |  | AZ | Second Home | Purchase | NA | 7672678 | N/A | N/A |
| XXXX | xxxxxx7503 |  |  | Closed | 2026-02-25 04:51 | 2026-02-27 17:34 | Resolved | 1 - Information B A | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Resolved-XXXX 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#'sXXX-XXX and the Final Closing disclosure on Pg#'sXXX-XXX, Finding 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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX The loan meets XXXXX guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-The loan meets XXXXX Guidelines and is a Compliant XXXXX loan. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please advise what is needed here. Our XXXXXX is not failing. Rate lock is on X/XX/XXXX. - XXXXXX-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan 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 closed end loan secured by a X-4 unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX XXX XXXX.XX(a)(X)(X)). - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please advise what is needed here. Our XXXXXX is not failing. Rate lock is on X/XX/XXXX. - XXXXXX-XX/XX/XXXX<br>| Resolved-XXXX 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#'sXXX-XXX and the Final Closing disclosure on Pg#'sXXX-XXX, Finding 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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX The loan meets XXXXX guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXXXX.XXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 7794393 | N/A | N/A |
| XXXX | xxxxxx7503 |  |  | Closed | 2026-02-25 04:51 | 2026-02-27 17:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open-The loan meets XXXXX Guidelines and is a Compliant XXXXX loan. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX 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 XXX XXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXX §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. XXXX 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#'sXXX-XXX and the Final Closing disclosure on Pg#'sXXX-XXX, Finding 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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX The loan meets XXXXX guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX 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 XXX XXXX.XX(a)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § 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 XXX §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. XXXX 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#'sXXX-XXX and the Final Closing disclosure on Pg#'sXXX-XXX, Finding 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 in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX-XXX The loan meets XXXXX guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>|  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 7794391 | N/A | N/A |

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## Exhibit 99.8

**Exhibit 99.8 Schedule 4**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary 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** |
| xxxxxx9819 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.98 | 89.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx0434 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.4 | XXXX |
| xxxxx8439 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx8495 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx3265 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| xxxxx9749 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| xxxxx9813 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.94 | 73.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| xxxxx7175 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0313 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0312 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx9703 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9726 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9718 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 49.08 | 49.08 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9905 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9939 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9888 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.96 | 77.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9699 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 40.8 | 40.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9794 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| xxxxxx1288 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 72.22 | 72.22 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | .1111 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx9861 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9947 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9896 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.41 | 69.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| xxxxx9929 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| xxxxx9949 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0010 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| xxxxx9812 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | XXXX |
| xxxxx0047 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0081 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.22 | 61.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9712 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9736 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx6974 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxx9930 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxx0514 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx1735 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0049 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| xxxxx0137 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9921 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.34 | 68.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx9697 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| xxxxxx0255 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx0256 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx6232 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxx0157 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0088 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| xxxxx0031 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx0125 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| xxxxxx9249 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx4312 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0179 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.58 | 67.58 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| xxxxxx4736 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| xxxxx0023 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| xxxxx0972 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.02 | 51.02 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| xxxxx0236 | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 49.79 | 49.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx4837 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx0287 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx4699 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.62 | 67.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| xxxxxx3713 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0698 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0698 | XXXX | Moderate RIsk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx3234 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx0302 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| xxxxxx9127 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| xxxxx1444 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| xxxxx1404 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 64.86 | 64.86 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx6062 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx8506 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX |
| xxxxxx0933 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx8316 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| xxxxx1391 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 54.29 | 54.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1438 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1452 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1483 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.24 | 41.24 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1528 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.32 | 71.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1459 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| xxxxxx1350 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| xxxxxx0033 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Not score provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| xxxxxx6353 |  |  | 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 |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| xxxxx2801 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.11 | 42.11 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx2838 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 44.38 | 44.38 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx1636 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1674 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2824 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx9919 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.52 | 44.52 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx3653 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.22 | 66.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| xxxxx2800 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.12 | 67.12 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| xxxxx1568 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| xxxxx2870 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| xxxxx1678 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx1372 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 83.39 | 83.39 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx3838 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx2883 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.56 | 55.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx1648 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx5195 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| xxxxxx8651 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx9053 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| xxxxxx3074 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx8971 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx1560 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 54.97 | 54.97 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx1603 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx1665 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx3701 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.99 | 84.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx7780 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1708 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.56 | 36.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2896 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx4764 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.2 | 63.2 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| xxxxxx3919 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx4157 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1680 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| xxxxx2976 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2903 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| xxxxx0261 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.47 | 34.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1705 |  |  | 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 | .0380 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| xxxxx2789 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| xxxxx2857 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LowRisk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx5039 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.99 | 84.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| xxxxxx5118 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.15 | 38.15 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| xxxxxx5305 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| xxxxxx4664 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2899 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0300 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 68.15 | 68.15 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx2862 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2974 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx5174 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | No Score Provided | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| xxxxx2016 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| xxxxx2886 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx2995 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| xxxxx2993 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| xxxxx1136 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx0123 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.86 | 50.86 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx1771 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx2854 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| xxxxx2741 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2081 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2020 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 46.9 | 46.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx4458 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.81 | 28.81 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx7391 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx6998 |  |  | 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 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxxx7837 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.57 | 59.57 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxxx7503 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.19 | 62.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |

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