# EDGAR Filing Document

**Accession Number:** 0001950012
**File Stem:** 0001839882-23-001161
**Filing Date:** 2023-1
**Character Count:** 2685948
**Document Hash:** 9c3506f172bce68b7719e47fe94b73d0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001839882-23-001161.hdr.sgml**: 20230123

**ACCESSION NUMBER**: 0001839882-23-001161

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

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20230123

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

**FILED AS OF DATE**: 20230123

**DATE AS OF CHANGE**: 20230123

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT NQM Depositor IV, LLC
- **CENTRAL INDEX KEY:** 0001950012
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06369
- **FILM NUMBER:** 23544088

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT NQM Depositor IV, LLC
- **CENTRAL INDEX KEY:** 0001950012
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167

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

**<u>GCAT NQM Depositor IV, llc</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001950012

<u>GCAT 2023-NQM2 Trust</u><br> (Exact name of issuing entity as specified in its charter)

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

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

Thomas Durkin, (212) 692-2000

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

#### PART I: REPRESENTATION AND WARRANTY INFORMATION
Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

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

Not Applicable

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

Not Applicable

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

#### Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer
The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | Consolidated Analytics, Inc ("Consolidated") Narrative |
| [99.2](ex99-2.htm) | Consolidated Exception Standard Report |
| [99.3](ex99-3.htm) | Consolidated Valuations Summary Report |
| [99.4](ex99-4.htm) | Consolidated Grading Summary Report |
| [99.5](ex99-5.htm) | Consolidated Supplemental Report |
| [99.6](ex99-6.htm) | Consolidated Data Compare Report |
| [99.7](ex99-7.htm) | AMC Diligence, LLC ("AMC") Executive Summary |
| [99.8](ex99-8.htm) | AMC Rating Agency Grades |
| [99.9](ex99-9.htm) | AMC Exception Grades |
| [99.10](ex99-10.htm) | AMC Valuation Summary |
| [99.11](ex99-11.htm) | AMC Supplemental Data |
| [99.12](ex99-12.htm) | AMC Data Compare |

---

#### 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.

---

| | |
|:---|:---|
|  | gcat nqm DEPOSITOR IV, LLC |
|  | (Depositor) |
| Date: January 23, 2023 | /s/ Thomas Durkin |
|  | Name: Thomas Durkin |
|  | Title: President (senior officer in charge of securitization) |

---

## Exhibit 99.1

[GCAT 2023-NQM2 Trust ABS-15G](nqm2-abs15g_012323.htm)

**Exhibit 99.1**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third party due diligence provider, performed the review described below on behalf of its client, Blue River Mortgage IV LLC. The review included a total of 2 newly originated residential mortgage loans, in connection with the securitization identified as GCAT 2023-NQM2 (the "Securitization"). The Review was conducted from August 2022 to September 2022 on mortgage loans originated between June 2022 and August 2022.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 (2 loans in total):

Zero (0) loans had a Secondary Appraisal, one (1) loan had a AVM, and zero (0) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

Zero (0) loans had a Field Review, zero (0) loans had a Full Appraisal Review, and zero (0) loan had a Broker Price Opinion all of which supported value

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 2 mortgage loans reviewed, zero (0) unique mortgage loans (0% by loan count) had a total of zero (0) different tape discrepancies across zero (0) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0%** |

---

**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 | 0 | $0.00 | 0% |
| Event Grade B | 2 | $696750.00 | 100.00% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 2 | $696750.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 2 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 2 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 0 | 0% |
| Event Grade B | 2 | 100.00% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 2 | 100.00% |

---

---

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

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Credit Report Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Employment Verification Level is missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Affiliated Business Disclosure is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Originator Total Net Income Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (12 CFR 1026.35(c)(5)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***3*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.2

[GCAT 2023-NQM2 Trust ABS-15G](nqm2-abs15g_012323.htm)

**Exhibit 99.2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alternate Loan Number** | **Finding ID** | **Deal Num** | **Investor Loan Number** | **Deal Specific Name** | **Exception ID** | **Last Name** | **Loan Purpose** | **Occupancy** | **Note Date** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Information** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Compensating Factors** | **Statute of Limitation Date** | **Status Comment** | **Last Modified Date** | **TPR QM ATR Status** |
| 122176122 | XXXXX | XXX | XXX |  | XXX | 1061 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/12/2022 | Credit | Borrower Employment Verification Level is missing | Cleared | 8/15/2022 | 1 | Borrower Employment Verification Level is missing | The borrower employment verification level is Missing. Per XXX guidelines: Lender must verify exsistence of the borrowers business within 20 business days of the note date. ; Lender provided VVOE within 20 business days of the note date. EXCEPTION RESOLVED | Change status of 'Borrower Employment Verification Level is missing' from Active to Open Rebuttal.;<br> Lender provided VVOE within 20 business days of the note date. | 8/15/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |  | The borrower employment verification level is Level 3 - Verified-direct independent verif w/3rd party; Lender provided VVOE within 20 business days of the note date. EXCEPTION RESOLVED | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |
| 122176122 | XXXXX | XXX | XXX |  | XXX | 1236 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/11/2022 | Compliance | Affiliated Business Disclosure is Missing | Cleared | 8/16/2022 | 1 | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |  | The affiliate business disclosure is Not Applicable | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |
| 122176122 | XXXXX | XXX | XXX |  | XXX | 2427 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/11/2022 | Credit | Fraud Report Shows Uncleared Alerts | Cleared | 8/15/2022 | 1 | Fraud Report Shows Uncleared Alerts | Fraud report shows alerts that have not been cleared. XXX to provide final DRIVE report with all alerts cleared. | Change status of 'Fraud Report Shows Uncleared Alerts' from Active to Open Rebuttal.;<br> XXX provided final DRIVE report with all alerts cleared. | 8/15/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |  | Alerts from Fraud Report have been cleared. XXX provided final DRIVE report with all alerts cleared. EXCEPTION RESOLVED | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |
| 122176122 | XXXXX | XXX | XXX |  | XXX | 3525 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/11/2022 | Compliance | Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (12 CFR 1026.35(c)(5)) | Cleared | 8/17/2022 | 1 | Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (12 CFR 1026.35(c)(5)) | Loan is a Higher-Priced Mortgage Loan and Borrower's Right to Receive Appraisal Disclosure was not provided.; Disclosure provided. Exception Resolved. | Change status of 'Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (12 CFR 1026.35(c)(5))' from Active to Open Rebuttal.;<br> Disclosure provided. ; Disclosure provided. Exception Resolved. | 8/17/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |  | Loan is a Higher-Priced Mortgage Loan and Borrower's Right to Receive Appraisal Disclosure provided. | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |
| 122176122 | XXXXX | XXX | XXX |  | XXX | 3782 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/11/2022 | Property | No Property Findings | Cleared | 8/11/2022 | 1 | 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 the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |
| 122176122 | XXXXX | XXX | XXX |  | XXX | -96658 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/11/2022 | Compliance | Higher-Priced Mortgage Loan | Acknowledged by Client | 8/29/2022 | 2 | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Client Acknowledged. Downgraded | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.;<br> Client Acknowledged. Downgraded | 8/23/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |
| 122176122 | XXXXX | XXX | XXX |  | XXX | -97547 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/11/2022 | Compliance | Lender Originator Total Net Income Test | Cleared | 8/29/2022 | 1 | Lender Originator Total Net Income Test | This loan failed the lender originator total net income test. (XXX as enacted by XXX Section 26 (2008)) <br> The mortgage loan charges a total net income which exceeds $XXX or four percent (XXX%) of the total loan amount, whichever is greater.<br>The total loan amount for this loan, as defined in Section 26 of XXX, is $XXX.; Lender provided PCCD with $XXX cue for the state regulation for XXX EXCEPTION RESOLVED. | Change status of 'Lender Originator Total Net Income Test' from Active to Open Rebuttal.;<br> EXCEPTION REMAINS: Lender provided updated Post Close Closing Disclosure issuing a lender credit for the Discount Points of $XXX. Please provide a copy of the check to the borrower along with XXX tracking numbers. ; Lender provided PCCD with $XXX cue for the state regulation for XXX. EXCEPTION RESOLVED. | 8/29/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years |  | This loan passed the lender originator total net income test. (XXX XXX as enacted by XXX Section 26 (2008)) <br> The mortgage loan does not charge a total net income that exceeds $XXX or XXX (XXX%) of the total loan amount, whichever is greater.<br>The total loan amount for this loan, as defined in Section 26 of XXX, is $XXX. | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |
| 122116390 | XXXXX | XXX | XXX |  | XXX | 722 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/18/2022 | Credit | Borrower Credit Report Indicator is Partial | Cleared | 8/24/2022 | 1 | Borrower Credit Report Indicator is Partial | Borrower credit report indicator is Partial. Credit refresh dated within 10 days of the note date is not provided for review. | Change status of 'Borrower Credit Report Indicator is Partial' from Active to Open Rebuttal.;<br> XXX provided credit monitoring per the final DRIVE report with no new debt. EXCEPTION RESOLVED. | 8/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |  | Borrower credit report indicator is Present | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |
| 122116390 | XXXXX | XXX | XXX |  | XXX | 2110 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/18/2022 | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Cleared | 9/2/2022 | 1 | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX.; <br>Lender used total deposits for qualification ($XXX). Guide requires the LESSER of total deposits OR the income indicated on the initial signed 1003 ($XXX). Income indicated on the initial signed 1003 is less and must be used for qualification per guide. | Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Open Rebuttal.;<br> Lenderr provided updaated initial 1003 with updated income. EXCEPTION RESOLVED.; ;<br> ;<br> Lender used total deposits for qualification ($XXX). Guide requires the LESSER of total deposits OR the income indicated on the initial signed 1003 ($XXX). Income indicated on the initial signed 1003 is less and must be used for qualification per guide. | 9/2/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |  | Documentation provided to support Qualifying DTI below 50.00. | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |
| 122116390 | XXXXX | XXX | XXX |  | XXX | 2427 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/18/2022 | Credit | Fraud Report Shows Uncleared Alerts | Cleared | 8/24/2022 | 1 | Fraud Report Shows Uncleared Alerts | Fraud report dated XX/XX/XXXX shows alerts that have not been cleared. | Change status of 'Fraud Report Shows Uncleared Alerts' from Active to Open Rebuttal.;<br> XXX provided final DRIVE report with all alerts cleared. EXCEPTION RESOLVED. | 8/24/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |  | Alerts from Fraud Report have been cleared. XXX provided final DRIVE report with all alerts cleared. EXCEPTION RESOLVED. | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |
| 122116390 | XXXXX | XXX | XXX |  | XXX | 3158 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/18/2022 | Property | Third Party Valuation Product Not Provided | Cleared | 9/1/2022 | 1 | Third Party Valuation Product Not Provided | Third Party Valuation Product Not Provided and CU Score is 3.10.; <br> Lender provided a XXX AVM which does not meet guide requirements. Guide requires a CDA from XXX. ; Lender provided CDA. EXCEPTION RESOLVED. | Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5' from Active to Open Rebuttal.;<br> Lender provided XXX AVM report. AVM value and confidence scores are acceptable. EXCEPTION RESOLVED.; Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5' from Cleared to Active.;<br> EXCEPTION REMAINS: CDA from XXX is required only. ; ;<br> Lender provided a XXX AVM which does not meet guide requirements. Guide requires a CDA from XXX. | 8/25/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |  | Third Party Valuation Product Provided.; Third Party Valuation Product Provided.; Lender provided CDA. EXCEPTION RESOLVED. | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |
| 122116390 | XXXXX | XXX | XXX |  | XXX | 3782 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/18/2022 | Property | No Property Findings | Cleared | 8/18/2022 | 1 | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |
| 122116390 | XXXXX | XXX | XXX |  | XXX | -96658 | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | $XXXXXX | Closed | 8/18/2022 | Compliance | Higher-Priced Mortgage Loan | Acknowledged by Client | 8/23/2022 | 2 | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Client acknowledged HPML loan | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.;<br> Client acknowledged HPML loan | 8/23/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors |

---

## Exhibit 99.3

[GCAT 2023-NQM2 Trust ABS-15G](nqm2-abs15g_012323.htm)

**Exhibit 99.3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| 122176122 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 122116390 |  | XXXXX | $XXXXXX | $XXX | $XXX | 90% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $12500.00 | XXX | 2.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Eligible |

---

## Exhibit 99.4

[GCAT 2023-NQM2 Trust ABS-15G](nqm2-abs15g_012323.htm)

**Exhibit 99.4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Balance** |
| 122116390 |  | XXXXX | $XXXXXX D C A B |
| 122176122 |  | XXXXX | $XXXXXX C A B |

---

## Exhibit 99.5

[GCAT 2023-NQM2 Trust ABS-15G](nqm2-abs15g_012323.htm)

**Exhibit 99.5**

---

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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 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 | 271 | 272 | 273 | 274 | 275 | 276 | 277 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 |
| **Loan Number** | **ULI** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **HUD Compare Origination Lender** | **HUD Compare Total % as of:** | **HUD Compare Ratio** | **ARM Hybrid Period** | **IO Flag** | **IO Term** | **ARM Index** | **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 1 SSN** | **Borrower 2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **Borrower "BofA Insider"** | **Co Borrower "BofA insider"** | **Co Borrower 3 "BofA insider"** | **Co Borrower 4 "BofA insider"** | **Borrower 1 DOB** | **Borrower 2 DOB** | **Borrower 3 DOB** | **Borrower 4 DOB** | **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 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Borrower 1 Gender** | **Borrower 2 Gender** | **Borrower 3 Gender** | **Borrower 4 Gender** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 3 Race** | **Borrower 3 Race 2** | **Borrower 3 Race 3** | **Borrower 3 Race 4** | **Borrower 3 Race 5** | **Borrower 4 Race** | **Borrower 4 Race 2** | **Borrower 4 Race 3** | **Borrower 4 Race 4** | **Borrower 4 Race 5** | **Ethnicity Borrower 1** | **Ethnicity Borrower 2** | **Ethnicity Borrower 3** | **Ethnicity Borrower 4** | **Borrower 1 Self Employed** | **Borrower 2 Self Employed** | **Borrower 3 Self Employed** | **Borrower 4 Self Employed** | **DU LP Rating** | **Borrower 1 Credit Score Equifax** | **Borrower 1 Credit Score Trans Union** | **Borrower 1 Credit Score Experian** | **Borrower 2 Credit Score Equifax** | **Borrower 2 Credit Score Trans Union** | **Borrower 2 Credit Score Experian** | **Borrower 3 Credit Score Equifax** | **Borrower 3 Credit Score Trans Union** | **Borrower 3 Credit Score Experian** | **Borrower 4 Credit Score Equifax** | **Borrower 4 Credit Score Trans Union** | **Borrower 4 Credit Score Experian** | **Representative Decision FICO Score** | **Borrower 1 FICO Date** | **Borrower 2 FICO Date** | **Borrower 3 FICO Date** | **Borrower 4 FICO Date** | **Borrower 1 Total Income** | **Borrower 1 Wage Income** | **Borrower 1 Bonus Income** | **Borrower 1 Commission Income** | **Borrower 1 Other Income** | **Borrower 2 Total Income** | **Borrower 2 Wage Income** | **Borrower 2 Bonus Income** | **Borrower 2 Commission Income** | **Borrower 2 Other Income** | **Borrower 3 Total Income** | **Borrower 3 Wage Income** | **Borrower 3 Bonus Income** | **Borrower 3 Commission Income** | **Borrower 3 Other Income** | **Borrower 4 Total Income** | **Borrower 4 Wage Income** | **Borrower 4 Bonus Income** | **Borrower 4 Commission Income** | **Borrower 4 Other Income** | **All Borrower Total Income** | **ID1008 1003 Total Income** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Total Monthly Debt** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **Application Date** | **Note Date** | **Amortization Term** | **Original Balance** | **Appraisal Value** | **Sales Price** | **Original Rate** | **First Payment Date** | **Maturity Date** | **Original Term** | **Rate Adjustment Frequency** | **Payment Adjustment Frequency** | **Gross Margin** | **Initial Cap** | **Periodic Cap** | **Life Cap** | **Max Rate Ceiling** | **Min Rate Floor** | **Rounding Factor** | **Convertible Flag** | **Lookback Days** | **Prepayment Penalty Flag** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Occupancy** | **Property Type** | **Units** | **Loan Purpose** | **Cash Purpose** | **HMDA Loan Purpose** | **R /T Refi Initiated** | **Percentage Down Pymnt From Borrower Own Fund** | **Cashout Refi Purpose** | **Total Cash Out Amount** | **Cash To Borrow At Closing** | **Documentation Type** | **Senior Balance** | **Junior Balances** | **Value For LTV** | **Original LTV** | **Original CLTV** | **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** | **Appraisal Type** | **Appraisal Date** | **Front HTI Ratio** | **Back DTI Ratio** | **Qualification Rate** | **Current Rate** | **Liquid Assets** | **Total Assets** | **Reserves** | **Lien** | **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** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **S&P Doc Type Code** | **Moodys Doc Type Code** | **Funding Date** | **APR** | **HOEPA High Cost Testing** | **Points In Dollars** | **Points In Percentage** | **Loan Originator NMLSR ID** | **NMLS Loan Officer Number** | **Total Origination and Discount Points** | **Total Loan Cost** | **Origination Charges** | **Lender Credit** | **Total Loan Points and Fees** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Years In Home** | **Loan Impounded** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Channel** | **Discount Fee** | **Number Of Financed Properties** | **Number Of Tradelines** | **Max Tradeline** | **Longest Tradeline Months** | **Credit Line Usage Ratio** | **Borrower 1 Income Verification Level** | **Borrower 2 Income Verification Level** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 1 Employment Verification Level** | **Borrower 2 Employment Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification Level** | **Borrower 1 Asset Verification Level** | **Borrower 2 Asset Verification Level** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Qualification Method** | **High Cost Loan Indicator** | **Relocation Loan Indicator** | **Interest Type Indicator** | **ARM Assumable Flag** | **Min Number** | **Silent Second Lien Flag** | **Second Lien Amount** | **Total Closing Cost** | **Subject Rental Income** | **DSCR** |
| 122116390 | XXXXX | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  |  |  | No |  |  | XXX | XXXXX | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | Owner | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | Owner occupied | XXX | 1 | Other than first time Home Purchase |  | Home purchase |  | XXX |  |  | 0.00 | BANK STATEMENT |  |  | XXX | 90 | 90 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | XXX |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Not Applicable |  | Taxes and Insurance | XXX | XXX | XXX | XXX |  |  |  | XXX |  | Correspondent Flow with delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 3 – Stated/Partially Verified |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  |  |  |  |
| 122176122 | XXXXX | XXX | Approved |  | XXX | Closed | Conventional | 30 Year Fixed |  |  |  |  |  | No |  |  | XXX | XXXXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | XXX | XXX |  |  |  |  |  |  | Owner | XXX |  |  |  |  |  |  | No |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Yes |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 | XXXXXX | XXX | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | 360 |  |  |  |  |  |  |  |  |  |  |  | Not Applicable |  |  | Owner occupied | XXX | 1 | Other than first time Home Purchase |  | Home purchase |  | XXX |  |  | 0.00 | ALT |  |  | XXX | 75 | 75 |  | No |  |  | Not Applicable |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Regular | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | No |  |  |  | No | XXX | Percentage Only | XXX |  |  | XX/XX/XXXX | XXX | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Not Applicable | XXX | Taxes and Insurance | XXX | XXX | XXX | XXX |  |  |  | XXX |  | Correspondent Flow with delegated underwriting | XXX | XXX | XXX | XXX | XXX | XXX | Level 3 – Stated/Partially Verified |  |  |  | Level 3 - Verified-direct independent verif w/3rd party |  |  |  | Level 4 – Verified = 2 mos stmts/bal documentation for liquid assets/or gift letter |  |  |  | Start Rate | No | No | Actuarial | Not Assumable | XXX |  |  |  |  |  |

---

## Exhibit 99.6

[GCAT 2023-NQM2 Trust ABS-15G](nqm2-abs15g_012323.htm)

**Exhibit 99.6**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Account Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |

---

## Exhibit 99.7

[GCAT 2023-NQM2 Trust ABS-15G](nqm2-abs15g_012323.htm)

**Exhibit 99.7**

![](ex997001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and business purpose loans originated by various parties who are sellers to Blue River Mortgage IV LLC or its affiliates (the "Client") through flow or mini-bulk transactions. The Review was conducted from June 2022 through January 2023 on mortgage loans with origination dates from April 2022 through December 2022 via files imaged and provided by the Client for review. The Review included loans reviewed under the Credit and Compliance Scope (695 mortgage loans) and the Business Purpose Scope (17 loans). The mortgage loans (Credit and Compliance Scope) and the loans (Business Purpose Scope) are together referred to as the Loans.

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

The initial population consisted of 730 loans. During the course of the securitization evaluation process, the Client may have removed or added loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review contained 712 loans totaling an aggregate original principal balance of approximately $409.241 million.

**(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 above.

**(4) Quality or integrity of information or data about the assets: review and methodology.** AMC compared data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all Loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Origination Company Name |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Origination Channel |  |

---

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.**

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![](ex997001.jpg)

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

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

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

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

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

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

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

**Additional Review of Mortgage Loan File:** 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.

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![](ex997001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

---

**(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)

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made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

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potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

&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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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For the loans determined to be Safe Harbor QM (APOR), in the event the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on the loans, that would be reflected as such in the reports. In the event the lender provided a VSH indicator of "No" on the loans that would be reflected in the reports. In the event the lender did not provide a VSH indicator on the loans, the loans would be identified as "Not Stated" in the reports.

\* Note, for loans in which the lender provided the VSH indicator, AMC captured it, but did not verify the VSH indicator.

Notwithstanding the above, for loans with the variance evaluation of VSH performed by AMC on QM (APOR) loans, the Lender provided a VSH Indicator of "Yes". The VSH indicator was provided within the loan images, on the data tape, deal notes, or as part of the loan program/guidelines being originated to. The loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH. In the event the lender identified the loan to have VSH status, then AMC reviewed to identify documentation variances that would cause one to question the VSH attestation from the lender. If variances were identified, then the 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. The results of the variance analysis is 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;**

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result

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

**(9) Disclaimer.**

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

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

**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 RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, the grading results are as follows:

(Please note there are 17 "Leases" loans that did not receive a compliance review or grade.)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Standard and Poor's Loan Grades (# of Loans)** | &nbsp;&nbsp;**Standard and Poor's Loan Grades (# of Loans)** | &nbsp;&nbsp;**Standard and Poor's Loan Grades (# of Loans)** | &nbsp;&nbsp;**Standard and Poor's Loan Grades (# of Loans)** | &nbsp;&nbsp;**Standard and Poor's Loan Grades (# of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;674 | &nbsp;&nbsp;424 | &nbsp;&nbsp;707 | &nbsp;&nbsp;409 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;38 | &nbsp;&nbsp;271 | &nbsp;&nbsp;5 | &nbsp;&nbsp;303 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**712** | &nbsp;&nbsp;**695** | &nbsp;&nbsp;**712** | &nbsp;&nbsp;**712** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Standard and Poor's Loan Grades (% of Loans)** | &nbsp;&nbsp;**Standard and Poor's Loan Grades (% of Loans)** | &nbsp;&nbsp;**Standard and Poor's Loan Grades (% of Loans)** | &nbsp;&nbsp;**Standard and Poor's Loan Grades (% of Loans)** | &nbsp;&nbsp;**Standard and Poor's Loan Grades (% of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;94.66% | &nbsp;&nbsp;61.01% | &nbsp;&nbsp;99.30% | &nbsp;&nbsp;57.44% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5.34% | &nbsp;&nbsp;38.99% | &nbsp;&nbsp;0.70% | &nbsp;&nbsp;42.56% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Rating Agency Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll Rating Agency Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll Rating Agency Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll Rating Agency Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll Rating Agency Loan Grades (# of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;674 | &nbsp;&nbsp;422 | &nbsp;&nbsp;711 | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;38 | &nbsp;&nbsp;273 | &nbsp;&nbsp;1 | &nbsp;&nbsp;304 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**712** | &nbsp;&nbsp;**695** | &nbsp;&nbsp;**712** | &nbsp;&nbsp;**712** |
| &nbsp;&nbsp;**Kroll Rating Agency Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll Rating Agency Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll Rating Agency Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll Rating Agency Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll Rating Agency Loan Grades (% of Loans)** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;94.66% | &nbsp;&nbsp;60.72% | &nbsp;&nbsp;99.86% | &nbsp;&nbsp;57.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5.34% | &nbsp;&nbsp;39.28% | &nbsp;&nbsp;0.14% | &nbsp;&nbsp;42.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION CATEGORY SUMMARY** 

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;83 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;34 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***746*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**746** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***43*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**43** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**5** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**794** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Kroll Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;508 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;83 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;34 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***750*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**750** |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Kroll Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***43*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**43** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**794** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 712 Loans reviewed, 149 unique Loans had 278 different tape discrepancies across 33 data fields (some Loans had more than one data delta). The largest variances were found in the Maturity Date and Property Type fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;689 | &nbsp;&nbsp;0.29% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;377 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;39 | &nbsp;&nbsp;5.13% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;31 | &nbsp;&nbsp;712 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;14 | &nbsp;&nbsp;712 | &nbsp;&nbsp;1.97% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;376 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;712 | &nbsp;&nbsp;0.28% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;142 | &nbsp;&nbsp;5.63% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;142 | &nbsp;&nbsp;2.82% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;103 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;4 | &nbsp;&nbsp;243 | &nbsp;&nbsp;1.65% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;374 | &nbsp;&nbsp;0.27% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;31 | &nbsp;&nbsp;689 | &nbsp;&nbsp;4.50% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;397 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;25 | &nbsp;&nbsp;695 | &nbsp;&nbsp;3.60% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;3 | &nbsp;&nbsp;540 | &nbsp;&nbsp;0.56% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;673 | &nbsp;&nbsp;1.19% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;34 | &nbsp;&nbsp;315 | &nbsp;&nbsp;10.79% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;28 | &nbsp;&nbsp;540 | &nbsp;&nbsp;5.19% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;338 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;710 | &nbsp;&nbsp;0.28% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;712 | &nbsp;&nbsp;0.28% | &nbsp;&nbsp;712 |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;712 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;711 | &nbsp;&nbsp;0.14% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;689 | &nbsp;&nbsp;0.29% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;526 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Origination Company Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;8 | &nbsp;&nbsp;284 | &nbsp;&nbsp;2.82% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;374 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;33 | &nbsp;&nbsp;712 | &nbsp;&nbsp;4.63% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;712 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;159 | &nbsp;&nbsp;0.63% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;13 | &nbsp;&nbsp;707 | &nbsp;&nbsp;1.84% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;712 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;712 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;6 | &nbsp;&nbsp;16 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;712 | &nbsp;&nbsp;0.28% | &nbsp;&nbsp;712 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**278** | &nbsp;&nbsp;**18005** | &nbsp;&nbsp;**1.54%** | &nbsp;&nbsp;**712** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;697 | &nbsp;&nbsp;97.89% | &nbsp;&nbsp;$402228208.00 | &nbsp;&nbsp;98.29% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.11% | &nbsp;&nbsp;$7013240.00 | &nbsp;&nbsp;1.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**712** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$409241448.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;712 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$409241448.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**712** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$409241448.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.42% | &nbsp;&nbsp;$797000.00 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.98% | &nbsp;&nbsp;$3682050.00 | &nbsp;&nbsp;0.90% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;124 | &nbsp;&nbsp;17.42% | &nbsp;&nbsp;$58244450.00 | &nbsp;&nbsp;14.23% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;254 | &nbsp;&nbsp;35.67% | &nbsp;&nbsp;$138166001.00 | &nbsp;&nbsp;33.76% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;290 | &nbsp;&nbsp;40.73% | &nbsp;&nbsp;$186773958.00 | &nbsp;&nbsp;45.64% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;34 | &nbsp;&nbsp;4.78% | &nbsp;&nbsp;$21577989.00 | &nbsp;&nbsp;5.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**712** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$409241448.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.84% | &nbsp;&nbsp;$2568600.00 | &nbsp;&nbsp;0.63% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;700 | &nbsp;&nbsp;98.31% | &nbsp;&nbsp;$398971848.00 | &nbsp;&nbsp;97.49% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.84% | &nbsp;&nbsp;$7701000.00 | &nbsp;&nbsp;1.88% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**712** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$409241448.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

![](ex997001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;416 | &nbsp;&nbsp;58.43% | &nbsp;&nbsp;$242215353.00 | &nbsp;&nbsp;59.19% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.11% | &nbsp;&nbsp;$3914650.00 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;49 | &nbsp;&nbsp;6.88% | &nbsp;&nbsp;$19793742.00 | &nbsp;&nbsp;4.84% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.11% | &nbsp;&nbsp;$7534600.00 | &nbsp;&nbsp;1.84% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;165 | &nbsp;&nbsp;23.17% | &nbsp;&nbsp;$104755544.00 | &nbsp;&nbsp;25.60% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.42% | &nbsp;&nbsp;$732800.00 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.26% | &nbsp;&nbsp;$4281500.00 | &nbsp;&nbsp;1.05% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.79% | &nbsp;&nbsp;$17669599.00 | &nbsp;&nbsp;4.32% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.12% | &nbsp;&nbsp;$4784660.00 | &nbsp;&nbsp;1.17% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.70% | &nbsp;&nbsp;$3559000.00 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**712** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$409241448.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;695 | &nbsp;&nbsp;97.61% | &nbsp;&nbsp;$404407848.00 | &nbsp;&nbsp;98.82% |
| &nbsp;&nbsp;Leases | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.39% | &nbsp;&nbsp;$4833600.00 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**712** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$409241448.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

## Exhibit 99.8

[GCAT 2023-NQM2 Trust ABS-15G](nqm2-abs15g_012323.htm)

**Exhibit 99.8**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 122538780 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122950591 |  |  |  |  | B | A | A | B | B | A | A | B |  |
| 122512494 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122503817 |  |  |  |  | C | B | A | C | A | B | A | B |  |
| 122058950 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122481546 |  |  |  |  | B | A | A | B | B | A | A | B |  |
| 122317266 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122163522 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122491317 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122770335 |  |  |  |  | B | A | A | B | B | A | A | B |  |
| 122779888 |  |  |  |  | A | B | A | B | A | B | A | B |  |
| 122258350 |  |  |  |  | A | C | A | C | A | A | A | A |  |
| 122321236 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122790804 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122644983 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122532599 |  |  |  |  | A | C | A | C | A | A | A | A |  |
| 122679630 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122322074 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122151460 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122517597 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122670727 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122302451 |  |  |  |  | A | B | A | B | A | B | A | B |  |
| 122916601 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122504798 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122326293 |  |  |  |  | C | C | A | C | A | A | A | A |  |
| 122396494 |  |  |  |  | A | B | A | B | A | B | A | B |  |
| 122678510 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122522119 |  |  |  |  | C | C | A | C | A | A | A | A |  |
| 122325004 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122318831 |  |  |  |  | A | B | A | B | A | B | A | B |  |
| 122859181 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122665141 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122148732 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122068082 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122940387 |  |  |  |  | A | B | A | B | A | B | A | B |  |
| 122318750 |  |  |  |  | B | A | A | B | B | A | A | B |  |
| 122288387 |  |  |  |  | C | C | A | C | A | A | A | A |  |
| 122451160 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122662104 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122299517 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122992653 |  |  |  |  | C | C | A | C | A | A | A | A |  |
| 122248347 |  |  |  |  | A | C | A | C | A | A | A | A |  |
| 122206582 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122076408 |  |  |  |  | A | B | A | B | A | B | A | B |  |
| 122113731 |  |  |  |  | A | B | A | B | A | B | A | B |  |
| 122003690 |  |  |  |  | C | C | A | C | A | A | A | A |  |
| 122355848 |  |  |  |  | A | C | A | C | A | A | A | A |  |
| 122982419 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122504003 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122174476 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122433348 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122711949 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122223370 |  |  |  |  | A | C | A | C | A | A | A | A |  |
| 122948625 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122497218 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122334588 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122045603 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122994750 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122366804 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122683406 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122684464 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122521549 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122922870 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122232370 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122879586 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122616836 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122160435 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122892133 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122442716 |  |  |  |  | C | A | A | C | B | A | A | B |  |
| 122876608 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122873457 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122033934 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122996416 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122923735 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122076043 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122200378 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122394369 |  |  |  |  | C | B | A | C | A | B | A | B |  |
| 122976401 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122731615 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122920355 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122308981 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122607605 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122909452 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122365501 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122047709 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122798459 |  |  |  |  | A | C | A | C | A | A | A | A |  |
| 122599529 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122470562 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122524798 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122640733 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122627610 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122519438 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122165389 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122249706 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122326658 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122815940 |  |  |  |  | A | C | A | C | A | A | A | A |  |
| 122977678 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122235486 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122682004 |  |  |  |  | C | C | A | C | A | A | A | A |  |
| 122964746 |  |  |  |  | C | B | A | C | A | B | A | B |  |
| 122326562 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122606708 |  |  |  |  | A | B | A | B | A | B | A | B |  |
| 122546601 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122109505 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122089072 |  |  |  |  | A |  | A | A | A |  | A | A |  |
| 122362665 |  |  |  |  | A |  | A | A | A |  | A | A |  |
| 122156660 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122054748 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122414336 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122209588 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122166188 |  |  |  |  | A |  | A | A | A |  | A | A |  |
| 122988576 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122869373 |  |  |  |  | A | C | C | C | A | B | A | B |  |
| 122281830 |  |  |  |  | A |  | A | A | A |  | A | A |  |
| 122061428 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122524328 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122206327 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122514743 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122437330 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122260487 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122164333 |  |  |  |  | A | C | A | C | A | A | A | A |  |
| 122687393 |  |  |  |  | A | B | A | B | A | B | A | B |  |
| 122142430 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122556658 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122334564 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122068615 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122831056 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122304909 |  |  |  |  | A | A | A | A | A | B | A | B |  |
| 122947103 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122842880 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122245603 |  |  |  |  | C | B | A | C | A | B | A | B |  |
| 122135294 |  |  |  |  | C | B | A | C | A | B | A | B |  |
| 122614250 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122364252 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122254191 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122589200 |  |  |  |  | A | C | A | C | A | A | A | A |  |
| 122834825 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122735405 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122385922 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122345409 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122988690 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122929660 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122882289 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122017663 |  |  |  |  | C | A | A | C | B | A | A | B |  |
| 122333676 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122632105 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122217064 |  |  |  |  | C | C | A | C | A | B | A | B |  |
| 122342721 |  |  |  |  | A | C | A | C | A | A | A | A |  |
| 122969022 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122425866 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122969704 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122705365 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122236372 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122930303 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122666850 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122546640 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122278078 |  |  |  |  | A | B | A | B | A | B | A | B |  |
| 122530238 |  |  |  |  | C | A | A | C | A | A | A | A |  |
| 122396275 |  |  |  |  | A | A | A | A | A | A | A | A |  |
| 122913678 |  |  |  |  | A | C | A | C | A | B | A | B |  |
| 122875384 |  |  |  |  | A | B | A | B | A | B | A | B |  |
| 122920839 |  |  |  |  | A | A | A | A | A | A | A | A |  |
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| 122365880 |  |  |  |  | C B |  | A | C B | B |  | A | B |  |
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| 122490310 |  |  |  |  | B | B | A | B | A | B | A | B |  |
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| 122621805 |  |  |  |  | A | A | A | A | A | A | A | A |  |

---

## Exhibit 99.9

[GCAT 2023-NQM2 Trust ABS-15G](nqm2-abs15g_012323.htm)

**Exhibit 99.9**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 122950591 |  |  |  |  |  |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | -Provide a credit supplement and/or sufficient documentation to show account has account has been satisfied as required. Guidelines indicate that all past due accounts must be brought current prior to closing.<br> - Provide Letter of explanation for delinquent credit as required. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122512494 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to addition of Appraisal Desk Review Fee. No valid COC provided, cure provided post closing. |  |  |  | Reviewer Comment (2022-05-03): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/03/2022 |  | 1 A |  | NV | Primary | Refinance - Cash-out - Home Improvement | A | Non QM | Non QM | Yes |
| 122503817 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-05-06): Documentation provided. Exception cleared<br>Seller Comment (2022-05-06): Please see uploaded loan approval | 05/06/2022 |  |  | 1 C A |  | DC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122503817 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule [redacted]: [redacted] requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | DC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122481546 |  |  |  |  |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  |  | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 122317266 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Natural Hazard Disclosure. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | Natural Hazard Disclosure Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-25): [redacted] received [redacted],[redacted], proof of mailing & copy of refund check.<br>Seller Comment (2022-05-24): PCCD with Cure<br>Seller Comment (2022-05-24): See attached PCCD and cure check |  | 05/25/2022 |  | 2 C B |  | CA | 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 |
| 122770335 |  |  |  |  |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | NV | Primary | Purchase | B A | Non QM | Non QM | No |
| 122779888 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $[redacted] on page [redacted]; however the HOA dues total $[redacted] per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $[redacted] monthly, correct amount is $[redacted] Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122258350 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Points were last disclosed as $[redacted] on interim CD, but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-05-17): [redacted] received COC dated [redacted]<br>Seller Comment (2022-05-16): [redacted]with [redacted] | 05/17/2022 |  |  | 1 C A |  | NY | 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 |
| 122321236 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Please provide Flood Insurance Policy for satisfactory coverage to $[redacted] |  |  |  | Reviewer Comment (2022-05-10): Documentation provided. Exception cleared<br>Seller Comment (2022-05-10): Flood Ins for $[redacted] | 05/10/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 122790804 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to the Borrower |  |  |  | Reviewer Comment (2022-05-18): Documentation provided. Exception cleared<br>Seller Comment (2022-05-17): Rate Sheet<br>Reviewer Comment (2022-05-17): Loan Amount of [redacted] has a max fee tolerance of $[redacted]. Discount Points of $[redacted], Mortgage Broker fee of $[redacted], Tax Service Fee of $[redacted] and Underwriting Fee of $[redacted] Total $[redacted]. an overage of $[redacted], Please provide a rate sheet showing the par rate so we may confirm bona fide discount points<br>Seller Comment (2022-05-16): This is not a hoepa loan. Please clear or proivde copy of your report | 05/18/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 122790804 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | The loan is failing the discount points fee testing, since we do not have the undiscounted rate and undiscounted points documented. |  |  |  | Reviewer Comment (2022-05-18): Documentation provided. Exception cleared | 05/18/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 122790804 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted]days. | Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted] days |  |  |  | Reviewer Comment (2022-05-18): Documentation provided. Exception cleared<br>Reviewer Comment (2022-05-17): loan is identified as high cost, and as such can not have a due on demand feature on the note. Exception remains<br>Seller Comment (2022-05-16): This is not a hoepa loan. Please clear or proivde a copy of your report<br>Reviewer Comment (2022-05-13): the terms of the note detail a late charge that is greater than[redacted]. Exception remains<br>Seller Comment (2022-05-13): Please waive finding, loan Note date is [redacted] which closed and funded in the month of [redacted] when [redacted] mortgage payment was due. Uploaded the Note and payoff statement again for quick reference. | 05/18/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 122790804 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted] on a Federal Total Loan Amount of $[redacted]vs. an allowable total of [redacted] (an overage of $[redacted] or .[redacted]%). Non-Compliant High Cost Loan. | Rate sheet must be reviewed to determine if discount points are bona fide. |  |  |  | Reviewer Comment (2022-05-18): Documentation provided. Exception cleared | 05/18/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 122790804 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | HOEPA disclosure was not provided to the Borrower |  |  |  | Reviewer Comment (2022-05-18): Documentation provided. Exception cleared<br>Reviewer Comment (2022-05-17): [redacted] calculations have determined this a high cost loan based on an overage of $[redacted] of the allowable [redacted]% fee tolerance. Please provide evidence of bona fide discount points. Exception Remains<br>Seller Comment (2022-05-16): This is not a hoepa loan. Please clear or proivde a copy of your report<br>Reviewer Comment (2022-05-13): High Cost is determined due to loan amount is $[redacted] Max fees allowed are $[redacted], fees charged are $[redacted] Please provide a rate sheet showing a par rate, so that bona fide discount points can be established<br>Seller Comment (2022-05-13): Please waive finding, loan Note date is [redacted] which closed and funded in the month of [redacted]when [redacted]mortgage payment was due. Uploaded the Note and payoff statement again for quick reference. | 05/18/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 122790804 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. |  |  |  | Reviewer Comment (2022-05-18): rate sheet provided | 05/18/2022 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | Yes |
| 122790804 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 122644983 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The file is missing a copy of the approval. |  |  |  | Reviewer Comment (2022-05-06): Documentation provided. Exception cleared<br>Seller Comment (2022-05-06): Please see the uploaded loan approval | 05/06/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122644983 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing changes made. |  |  |  | Reviewer Comment (2022-05-03): Sufficient Cure Provided At Closing |  | 05/03/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122532599 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing |  |  |  | Reviewer Comment (2022-05-13): [redacted]received [redacted] received the same day issued.<br>Seller Comment (2022-05-11): Consummation [redacted] signed [redacted]<br>Seller Comment (2022-05-11): Initial [redacted] signed [redacted] | 05/13/2022 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 122322074 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Fee Amount of $[redacted]exceeds tolerance of $[redacted]with a valid change of circumstance. |  |  |  | Reviewer Comment (2022-05-25): "[redacted]received valid [redacted]document in order to clear this exception.<br>Seller Comment (2022-05-24): PCCD with refund<br>Seller Comment (2022-05-24): PCCD with COC for loan discount<br>Seller Comment (2022-05-24): [redacted]with [redacted]attached for loan discount | 05/25/2022 |  |  | 1 C A |  | NJ | 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 |
| 122322074 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted] (an overage of $[redacted]or [redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% |  |  |  | Reviewer Comment (2022-05-25): Documentation provided. Exception cleared | 05/25/2022 |  |  | 1 B A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | Yes |
| 122322074 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee Amount of $[redacted] exceeds tolerance of $[redacted]with no valid change of circumstance. |  |  |  | Reviewer Comment (2022-05-25): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery, Copy of Refund Check |  | 05/25/2022 |  | 2 C B |  | NJ | 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 |
| 122322074 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Evidence of HOEPA disclosure being provided to the borrower |  |  |  | Reviewer Comment (2022-05-25): Documentation provided. Exception cleared<br>Seller Comment (2022-05-25): This is not a HOEPA loan, please see rate sheet to show par rate and verify bona fide discount points | 05/25/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122322074 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted] days. | Late Charge is greater than [redacted]% |  |  |  | Reviewer Comment (2022-05-25): Documentation provided. Exception cleared | 05/25/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122322074 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%). Non-Compliant High Cost Loan. | Points and Fees are in excess of [redacted]% |  |  |  | Reviewer Comment (2022-05-25): Documentation provided. Exception cleared | 05/25/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 122322074 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | The loan appears to be high cost, and no evidence the borrower received counseling |  |  |  | Reviewer Comment (2022-05-25): Documentation provided. Exception cleared | 05/25/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122151460 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-05-10): Sufficient Cure Provided At Closing |  | 05/10/2022 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122302451 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $[redacted]on page 4; however the HOA dues total $[redacted]per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $[redacted]monthly, correct amount is $[redacted]Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122504798 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-05-10): Sufficient Cure Provided At Closing |  | 05/10/2022 |  | 1 A |  | ID | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122326293 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared.<br>- Provide Business tax return extension for [redacted] for [redacted],<br> - Provide fully executed signature pages for[redacted], copies provided are not signed as required.<br> - Provide third party VOE for [redacted]. |  |  |  | Reviewer Comment (2022-05-31): Documentation provided. Exception cleared | 05/31/2022 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 122326293 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less 25% | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current [redacted] (Less than [redacted] Ownership) status using reasonably reliable third-party records. | Missing 2 years [redacted], or 2 years [redacted] and [redacted] not signed. |  |  |  | Reviewer Comment (2022-05-31): Documentation provided. Exception cleared<br>Seller Comment (2022-05-31): Please waive - Per F[redacted] Transcripts permitted in lieu of obtaining signature on tax returns. Transcripts in initial loan file. | 05/31/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122326293 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay ([redacted]): Unable to verify [redacted] (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | Third party verification of borrower's employment dates and status of business was not provided. |  |  |  | Reviewer Comment (2022-05-31): Documentation provided. Exception cleared | 05/31/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122326293 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-05-31): Documentation provided. Exception cleared | 05/31/2022 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122326293 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide [redacted] Business tax return extension as required for [redacted] |  |  |  | Reviewer Comment (2022-05-16): Documentation provided. Exception cleared<br>Seller Comment (2022-05-13): Please waive finding, uploaded [redacted]business extension | 05/16/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122396494 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The file was missing a copy of the FACTA Credit Score Disclosure for all borrowers provided within 3 days of originator application date. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| 122522119 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide required CPA letter. per Guidelines for Self Employed bank statement program must be provided to confirm ownership percentage. |  |  |  | Reviewer Comment (2022-05-27): Documentation in file. Exception cleared<br>Seller Comment (2022-05-27): Please waive finding. The SOS was uploaded within the initial loan file, see page(s) [redacted]. Uploading document again for quick reference. | 05/27/2022 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122522119 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-31): [redacted] received valid [redacted]dated [redacted].<br>Seller Comment (2022-05-27): COC for loan discount | 05/31/2022 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | 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 |
| 122325004 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). | Post Close CD dated [redacted]shows corrected amount for Total of Payments. |  |  |  | Reviewer Comment (2022-05-10): Exception cured [redacted] |  | 05/10/2022 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 122318831 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122318831 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule [redacted]: Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122318831 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as [redacted] on page 4; however the HOA dues total [redacted] per year. Final CD reflects Estimated Taxes, Insurance & Assessments of [redacted] monthly, correct amount is [redacted]. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122859181 |  |  |  |  |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. |  |  |  | Reviewer Comment (2022-05-18): Documentation provided. Exception cleared<br>Seller Comment (2022-05-17): Please see the correct hazard binder, there was a typo in years. | 05/18/2022 |  |  | 1 C A |  | HI | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 122148732 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-05-17): Documentation provided. Exception cleared<br>Seller Comment (2022-05-16): Please see uploaded approval. | 05/17/2022 |  |  | 1 C A |  | CA | Second Home | Purchase | C A | Non QM | Non QM | No |
| 122068082 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2022-05-16): Documentation provided. Exception cleared<br>Seller Comment (2022-05-16): Please see uploaded fraud report | 05/16/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122940387 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 122940387 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 122318750 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient cure was provided to the Borrower on the Final Closing Disclosure. |  |  |  | Reviewer Comment (2022-05-11): Sufficient Cure Provided At [redacted] |  | 05/11/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122318750 |  |  |  |  |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Min Fico score is [redacted]. Score does not meet guidelines | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Corporate exception granted | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-05-11): Corporate exception granted |  |  | 05/11/2022 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 122288387 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan discount points were last disclosed as $[redacted]on Interim CD but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-05-31): [redacted] Received valid [redacted]therefore no cure required.<br>Seller Comment (2022-05-27): [redacted]for discount points | 05/31/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | 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 |
| 122288387 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [redacted] . Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-05-25): Documentation provided. [redacted]loan, Exception cleared<br>Seller Comment (2022-05-25): Prop located in FL. Haz ins sufficient. Checklist of coverage provided. Review to clear | 05/25/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 122451160 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by $[redacted]due to addition of Appraisal Desk Review fee. No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2022-05-11): Sufficient Cure Provided At Closing |  | 05/11/2022 |  | 1 A |  | IN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122299517 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $[redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-26): [redacted]has received corrected PCCD, copy of refund check, proof of mailing and LOE to borrower.<br>Seller Comment (2022-05-25): PCCD with cure check, LOX & fedex label |  | 05/26/2022 |  | 2 C B |  | NY | 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 |
| 122299517 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2022-05-26): Sufficient Cure Provided within [redacted]Days of Closing |  | 05/26/2022 |  | 1 A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | Yes |
| 122992653 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not provided. |  |  |  | Reviewer Comment (2022-06-01): documentation provided. exception cleared<br>Seller Comment (2022-06-01): unofficial copy of compliance certificate | 06/01/2022 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 122992653 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted]is less than amount of binding Lender Credit previously disclosed in the amount of [redacted]. | Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $-[redacted]with lender cure provided.<br> - Valid Change of Circumstance provided on [redacted] to disclose removal of Lender credit. |  |  |  | Reviewer Comment (2022-06-01): [redacted]received changed circumstance.<br>Seller Comment (2022-05-27): LE and COC regarding lender credit | 06/01/2022 |  |  | 1 C A |  | IL | 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 |
| 122992653 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $[redacted] No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-31): [redacted]Sufficient cure provided at closing.<br>Seller Comment (2022-05-27): PCCD no cure | 05/31/2022 |  |  | 1 C A |  | IL | 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 |
| 122992653 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Unable to confirm equity of property sold. No evidence that the property was sold |  |  |  | Reviewer Comment (2022-05-16): Documentation provided. Exception cleared | 05/16/2022 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 122992653 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Unable to confirm equity of property sold. No evidence that the property was sold |  |  |  | Reviewer Comment (2022-05-16): Documentation provided. Exception cleared | 05/16/2022 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 122992653 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Unable to confirm equity of property sold. No evidence that the property was sold |  |  |  | Reviewer Comment (2022-05-16): Documentation provided. Exception cleared | 05/16/2022 |  |  | 1 A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 122992653 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Evidence of equity on sold property is missing from the loan file |  |  |  | Reviewer Comment (2022-05-16): Documentation provided. Exception cleared<br>Seller Comment (2022-05-16): Please see settlement statement for sale of [redacted]for [redacted]to close. | 05/16/2022 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 122992653 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure at closing |  |  |  | Reviewer Comment (2022-06-01): Sufficient Cure Provided At Closing |  | 06/01/2022 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122248347 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-06-01): Documentation provided. Exception cleared | 06/01/2022 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Non QM | Non QM | No |
| 122248347 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Guidelines indicate the following is required to document gift funds. Loan was approved using gift of equity. Provide the following:<br>Gift letter signed by donor specifying amount, date of transfer, no repayment is required, and donors contact information. <br> NOTE: Guidelines also indicate gift of equity will be ineligible if it is from non-family member. |  |  |  | Reviewer Comment (2022-06-01): Documentation provided. Exception cleared<br>Seller Comment (2022-06-01): Corrected URLA<br>Seller Comment (2022-06-01): Please see the gift letter uploaded. This was not a gift of equity but just a gift. Corrected URLA uploaded and gift letter. | 06/01/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122248347 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-06-01): Documentation provided. Exception cleared | 06/01/2022 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122076408 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 300.00 on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $[redacted]on page 4; however there are no non escrowed costs for the subject property per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $[redacted] monthly, correct amount is $[redacted] Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | OH | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122113731 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): [redacted] requirements not satisfied. | Not applicable. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | GA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122003690 |  |  |  |  |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  | Reviewer Comment (2022-06-03): Documentation in file. Exception cleared<br>Seller Comment (2022-06-02): Verified funds - \*\*Borrower has [redacted]funds for reserves - subject [redacted] PITI ($[redacted]) $[redacted]plus[redacted] mos PITI for current primary ($[redacted]) $[redacted] total of $[redacted]. Funds to close is $[redacted]. Total required funds is $[redacted]. Verified funds is $[redacted] | 06/03/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122003690 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets documented to meet reserve requirement. |  |  |  | Reviewer Comment (2022-06-03): Documentation in file. Exception cleared<br>Seller Comment (2022-06-02): Per see breakdown of the verified funds in file. \*\*Borrower has sufficient funds for reserves - subject [redacted] PITI ($[redacted]) $[redacted]plus [redacted] mos PITI for current primary ($[redacted]) $[redacted]total of $[redacted]. Funds to close is $[redacted]. Total required funds is $[redacted]. Verified funds is $[redacted] | 06/03/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122003690 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The lease agreement is missing from the load file for [redacted][redacted]. <br>The documentation to support the debt of $[redacted] is also missing. The mortgage statement indicates escrows are paid through the monthly payment |  |  |  | Reviewer Comment (2022-06-03): Documentation provided. Exception cleared<br>Seller Comment (2022-06-02): Please see the updated [redacted]and [redacted]removing rental income on [redacted].<br>Reviewer Comment (2022-05-31): The [redacted]agreement is missing from the loan file. Exception remains<br>Seller Comment (2022-05-31): Please waive finding. The HOI and property profile for [redacted] was in the initial file upload, see page(s) [redacted] HOI and [redacted] property profile for taxes. Uploaded documentation again for quick reference. | 06/03/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122003690 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Unable to confirm ATR due to missing lease agreement to support $[redacted] monthly rental income |  |  |  | Reviewer Comment (2022-06-03): Documentation provided. Exception cleared<br>Seller Comment (2022-06-02): Please see the updated [redacted]and [redacted]removing rental income on [redacted] | 06/03/2022 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | No |
| 122003690 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Unable to confirm ATR due to missing lease agreement to support $[redacted] monthly rental income |  |  |  | Reviewer Comment (2022-06-03): Documentation provided. Exception cleared<br>Seller Comment (2022-06-02): Please see the updated [redacted]and [redacted]removing rental income on [redacted] | 06/03/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122003690 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Unable to confirm ATR due to missing lease agreement to support $[redacted]monthly rental income |  |  |  | Reviewer Comment (2022-06-03): Documentation provided. Exception cleared | 06/03/2022 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122355848 |  |  |  |  |  |  | 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 three (3) 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. | Application date is [redacted] however the initial e sign disclosure is missing from the loan file |  |  |  | Reviewer Comment (2022-05-26): [redacted] received document stating it was e-consented on [redacted]<br>Seller Comment (2022-05-25): E-sign audit log for Initial [redacted][redacted] | 05/26/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 122982419 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). | Loan is identified as a Higher-Priced Mortgage Loan. |  |  |  | Reviewer Comment (2022-05-17): [redacted] disclosed at closing has an incorrect [redacted]calculation. Corrected on [redacted] |  | 05/17/2022 |  | 2 C B |  | WI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| 122982419 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower. | Appraisal Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing changes made. |  |  |  | Reviewer Comment (2022-05-17): Sufficient Cure Provided within [redacted]Days of Closing |  | 05/17/2022 |  | 1 A |  | WI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122982419 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review 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 (2022-06-02): Sufficient Cure Provided At Closing |  | 06/02/2022 |  | 1 A |  | WI | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| 122223370 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus 10% or $[redacted]. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $[redacted] No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-01): [redacted]received corrected PCCD dated [redacted] and True and Certified copy of Final settlement statement therefore no cure required.<br>Seller Comment (2022-05-31): response from escrow regarding closing date<br>Reviewer Comment (2022-05-31): [redacted] received LOE and PCCD .Upon further review recording fee was reduced on PCCD and finall SS showing fee same as on PCCD.Closing date on final SS is not matching with PCCD and final CD.Also provided final SS page is missing and not completed. .Kindly provide corrected and complete true and certified final settlement statement or corrected settlement statement signed by closing agent to verify the fees.<br>Seller Comment (2022-05-27): PCCD with no cure due. | 06/01/2022 |  |  | 1 C A |  | CA | 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 | No |
| 122223370 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Natural Hazard Disclosure. Fee Amount of [redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Fee was added in [redacted] on final CD dated [redacted]without any valid COC or cure. |  |  |  | Reviewer Comment (2022-06-08): "[redacted]received valid PCCD and LOE in order to clear this exception.<br>Seller Comment (2022-06-07): PCCD & LOE<br>Reviewer Comment (2022-06-02): [redacted] agreed that the Natural Hazard Disclosure fee disclosed on Initial CD dated [redacted] in section H No tolerance section. On Final CD dated [redacted] & PCCD dated [redacted] fee is in section C and not disclosed any of the LE's. Also, this fee is under the services borrower shopped and not paid to title services. Provide corrected PCCD is issued with an LOE to move the fee from Section C to H. Otherwise a Cure is required to borrower.<br>Seller Comment (2022-06-01): The Natural Hazard Fee was always disclosed on the CD. The initial CD dated [redacted]in section H, the consummation CD dated [redacted] moved to section C, the Post Close CD dated [redacted] disclosed in section C. Once disclosed on the closing disclosure it remained and was never removed.<br>Reviewer Comment (2022-06-01): [redacted] On Further review Received duplicate Initial Closing disclosure dated[redacted] on which Natural Hazard Insurance Fee disclosed in sec [redacted]and on Final CD dated [redacted] there is no Natural Hazard Insurance Fee was charged to the borrower however As per PCCD dated [redacted]Natural Hazard Insurance Fee disclosed in Section [redacted]. As per guidelines no Fee can be added on PCCD therefore we require cure of $[redacted] along with corrected PCCD, LOE, Copy of check and Proof of mailing.<br>Seller Comment (2022-05-31): Initial CD with [redacted]fee | 06/08/2022 |  |  | 1 A |  | CA | 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 | No |
| 122948625 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  |  |  |  |  | 2 B |  | AZ | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 122948625 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $[redacted] on page 4; however the HOA dues total $[redacted] per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $[redacted]monthly, correct amount is $[redacted]. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B |  | AZ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122948625 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-05-17): Sufficient Cure Provided At Closing |  | 05/17/2022 |  | 1 A |  | AZ | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| 122948625 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan contains Negative Amortization. | Final Closing Disclosure provided on [redacted]did not disclose if the loan has Negative Amortization as required. Cured with PCCD, however the loan file is missing the letter of explanation |  |  |  | Reviewer Comment (2022-05-27): [redacted] received Letter of Explanation & Corrected Closing Disclosure. corrected before reporting<br>Reviewer Comment (2022-05-27): correct status<br>Reviewer Comment (2022-05-27): [redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2022-05-27): PCCD with cover letter | 05/27/2022 |  |  | 1 C A |  | AZ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122948625 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Final Closing Disclosure provided on [redacted] did not disclose if the loan allows for Partial Payments as required. Cured with PCCD, however the loan file is missing the letter of explanation |  |  |  | Reviewer Comment (2022-05-27): [redacted] received Letter of Explanation & Corrected Closing Disclosure. corrected before reporting<br>Seller Comment (2022-05-25): PCCD with cover letter | 05/27/2022 |  |  | 1 C A |  | AZ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122497218 |  |  |  |  |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Missing Hazard Insurance Policy. |  |  |  | Reviewer Comment (2022-05-25): Documentation provided. Exception cleared<br>Seller Comment (2022-05-25): Hazard Insurance | 05/25/2022 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 122366804 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide missing tax statements for [redacted]and [redacted], [redacted]. |  |  |  | Reviewer Comment (2022-06-03): Documentation provided. Exception cleared<br>Seller Comment (2022-06-03): Please see the uploaded tax certs. | 06/03/2022 |  |  | 1 C A |  | UT | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 122684464 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement for [redacted] are missing from the loan file |  |  |  | Reviewer Comment (2022-06-03): Documentation provided. Exception cleared<br>Seller Comment (2022-06-03): Please clear, see the uploaded mortgage statement printouts that were within the initial loan file. Uploaded again for quick reference. | 06/03/2022 |  |  | 1 C A |  | UT | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 122232370 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Appraisal Field Review fee exceeded the tolerance of [redacted] by $[redacted]. Satisfactory cure was made at closing. |  |  |  | Reviewer Comment (2022-06-01): Sufficient Cure Provided At Closing |  | 06/01/2022 |  | 1 A |  | OR | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122879586 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than 30 days when provided to borrower. | The List of Homeownership Counseling Organizations, provided to the borrower, was older than 30 days. Please provide a list within 30 days of disclosure. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122879586 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The CD on [redacted]is being used for testing; however, this is not the Final CD. The Final CD was issued on [redacted], later than the note date. The escrow cost on the CD dated [redacted] do not match the final escrow costs, monthly($[redacted]) or annual([redacted]) on the loan file. However, on the actual Final CD, dated, [redacted], the monthly, and annual, escrow costs do match the loan file, making this Exception not Valid. |  |  |  | Reviewer Comment (2022-06-03): Corrected on PCCD, and signed by the borrower |  | 06/03/2022 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122879586 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | The CD on [redacted]is being used for testing; however, this is not the Final CD. The Final CD was issued on [redacted] later than the note date. The escrow cost on the CD dated [redacted] do not match the final escrow costs, monthly([redacted]) or annual([redacted] variance) on the loan file. However, on the actual Final CD, dated, [redacted], the monthly, and annual, escrow costs do match the loan file, making this Exception not Valid. |  |  |  | Reviewer Comment (2022-06-03): cured on PCCD signed at closing |  | 06/03/2022 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | No |
| 122879586 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | The CD on [redacted] is being used for testing; however, this is not the Final CD. The Final CD was issued on [redacted], later than the note date. The escrow cost on the CD dated [redacted] do not match the final escrow costs, monthly([redacted] variance) or annual([redacted] variance) on the loan file. However, on the actual Final CD, dated, [redacted], the monthly, and annual, escrow costs do match the loan file, making this Exception not Valid. |  |  |  | Reviewer Comment (2022-06-02): Sufficient Cure Provided At Closing |  | 06/02/2022 |  | 1 A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122616836 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Flood Insurance Coverage amount is insufficient. |  |  |  | Reviewer Comment (2022-06-03): Documentation provided. Exception cleared<br>Seller Comment (2022-06-03): RCE and Flood Ins including addl coverage | 06/03/2022 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122442716 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was not disclosed on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-02): Sufficient Cure Provided At Closing |  | 06/02/2022 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
| 122442716 |  |  |  |  |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Most recent credit report in file only contains two scores, lowest of two scores is [redacted]. Guidelines indicate max of [redacted] LTV with 700 FICO. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI program requires[redacted]% loan has a[redacted] Residual income - Program requires [redacted] borrower has [redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-06-08): Low [redacted]and residual income<br>Seller Comment (2022-06-08): Please see the uploaded [redacted]formal exception with comp factors to waive finding.<br>Reviewer Comment (2022-06-03): Industry standard is to use the most recent report in file. Guidelines state to provide all reports and LOE's. Please provide formal exception with comp factors to waive.<br>Seller Comment (2022-06-03): Please see the uploaded LOE on the mistake of the additional credit report being pulled. Credit still used for loan was the initial credit pulled on [redacted] |  |  | 06/08/2022 | 2 C B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122873457 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage is insufficient, no replacement cost estimator provided. (Appraisal indicates higher cost to rebuild versus policy covered at 100% dwelling amount). |  |  |  | Reviewer Comment (2022-06-06): Documentation provided. Exception cleared<br>Seller Comment (2022-06-06): RCE | 06/06/2022 |  |  | 1 C A |  | PA | Investment | Purchase | C A | N/A | N/A | No |
| 122033934 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing changes made. |  |  |  | Reviewer Comment (2022-06-02): Sufficient Cure Provided At Closing |  | 06/02/2022 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| 122996416 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | 6 months reserves required for a first time homebuyer living rent free. |  |  |  | Reviewer Comment (2022-06-14): Documentation provided. Exception cleared<br>Seller Comment (2022-06-14): A bank printout from [redacted] that was in initial file, see page [redacted] supports the [redacted]. Uploading document again for quick reference.<br>Reviewer Comment (2022-06-14): [redacted] account ending [redacted]has the latest account date of [redacted] shows $[redacted]. Not $[redacted]<br>Seller Comment (2022-06-14): Please see the breakdown of borrowers assets. US Bank accts being used #[redacted], #[redacted]$[redacted] and #[redacted]$[redacted]= $[redacted]. Borrowers required [redacted]% is $[redacted] - EM $[redacted] = $[redacted]. $[redacted] from borrowers liquid asset of $[redacted] = $[redacted] remaining liquid borrower assets. PITIA $[redacted] x[redacted] = $[redacted] FTC per [redacted] $[redacted]. This is not counting gift funds.<br>Reviewer Comment (2022-06-06): Documentation in file supports $[redacted]in [redacted] in various account. Gift Funds are not used for reserves.<br>Seller Comment (2022-06-06): Please provide your calculations. Using gift money of $[redacted] plus borrowers balances in [redacted]of $[redacted] = $[redacted] minus cash to close of $[redacted] per [redacted]borrower has just over [redacted]months in reserves. | 06/14/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122923735 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-02): Sufficient Cure Provided At Closing |  | 06/02/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122923735 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-02): Sufficient Cure Provided At Closing |  | 06/02/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122923735 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-02): Sufficient Cure Provided At Closing |  | 06/02/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122200378 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of[redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include [redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing changes made. |  |  |  | Reviewer Comment (2022-06-02): Sufficient Cure Provided At Closing |  | 06/02/2022 |  | 1 A |  | TX | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122394369 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Property cost over one year based on documented taxes and insurance total $[redacted] |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122394369 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets documented to meet reserve requirement. |  |  |  | Reviewer Comment (2022-06-09): Documentation in file. Exception cleared<br>Seller Comment (2022-06-09): Please provide your calculations. Per UW calculations, CD attached shows FTC [redacted]. Borrowers liquid assets available in [redacted][redacted] is [redacted] which includes the gift of [redacted] from parents and after backing out [redacted] gift fund that are not able to be used and [redacted] in [redacted] for a TOTAL of [redacted]. Borrower needs [redacted] in reserves. Additional gift money from relatives of [redacted] at closing. TOTAL available funds = [redacted] - FTC [redacted] = [redacted] funds remaining and would cover the amount for reserves. | 06/09/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122976401 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [redacted] statement for [redacted] confirming [redacted] is missing from the loan file |  |  |  | Reviewer Comment (2022-06-08): Exception cleared<br>Seller Comment (2022-06-08): Please waive finding. The [redacted] [redacted]for [redacted] has zero balance and full line of credit is $[redacted] and per the [redacted]the UW is using [redacted]% which is allowed per [redacted] guidelines with [redacted]greater than [redacted]months. | 06/08/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 122607605 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-03): Sufficient Cure Provided At Closing |  | 06/03/2022 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| 122798459 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Insufficient or no cure was provided to the borrower. | Total amount of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted] due to an increase in recording fees. Insufficient or no cure was provided to the borrower. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-21): [redacted]received PCCD for reducing the recording fee and true and certified final settlement statement was in file .<br>Seller Comment (2022-06-21): PCCD | 06/21/2022 |  |  | 1 C A |  | CA | 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 | No |
| 122815940 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 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 4.23% + 1.5%, or 5.73000%. Compliant Higher Priced Mortgage Loan. | Loan is a Higher-Priced Mortgage Loan. |  |  |  | Reviewer Comment (2022-06-13): level 1 | 06/13/2022 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122815940 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | California Higher-Priced Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of APOR 4.23% + 1.5%, or 5.73000%. Compliant Higher Priced Loan. | Loan is a Higher-Priced Mortgage Loan. |  |  |  | Reviewer Comment (2022-06-13): level 1 | 06/13/2022 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Based on the loan being a compliant California HPML, with no violations of prohibited practices, borrower choice letter is not required for cure given there are no further actions to be taken to make the loan compliant. Loan may be cured so the loan is no longer an HPML as follows:<br>Within 90 days of closing: (1) notify borrower; (2) copy of refund check for overage so the loan is no longer HPML; and (3) proof of delivery.<br>(Narrow Defense - CHD Approval Required): Within 120 days of discovery or receipt of complaint, which compliance failure was not intentional and resulted from a bona fide error notwithstanding the maintanence of procedures reasonably adapted to avoid such errors, the creditor provides: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made (specific details on how higher-priced loan was made despite procredures to prevent); and (ii) the lender has not received any notice from borrower of the failure; (2) notification to borrower; (3) copy of refund check for overage so the loan is no longer HPML; and (4) proof of delivery. | Non QM | Non QM | No |
| 122815940 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to three (3) business days from transaction date of [redacted]. | Borrower signed documents [redacted]. Co borrower signed [redacted]. Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2022-06-13): Documentation provided. Exception cleared<br>Seller Comment (2022-06-13): We disbursed on the [redacted]so timing is correct. No need for new rescission. Please review to clear<br>Reviewer Comment (2022-06-10): Please provide Proof of Delivery, and evidence rescission was opened in order to cure<br>Seller Comment (2022-06-10): PCCD to evidence disbursement date [redacted] after rescission period was up | 06/13/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | No |
| 122235486 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, sufficient cure provided at cllosing. |  |  |  | Reviewer Comment (2022-06-06): Sufficient Cure Provided At Closing |  | 06/06/2022 |  | 1 A |  | OR | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122235486 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets documented to meet reserve requirement. [redacted] account ending in [redacted]has a final balance of $[redacted] due to a transfer of funds to an investment account in the amount of $[redacted] |  |  |  | Reviewer Comment (2022-06-14): Documentation in file. exception cleared<br>Seller Comment (2022-06-14): Please waive. [redacted]months reserves are required due to the borrower selling current primary prior to closing due to funds from sale is majority of FTC. [redacted] #[redacted]$[redacted] and [redacted] #[redacted]$[redacted]=$[redacted]. [redacted]months PITIA X $[redacted] = $[redacted]. Liquid asset $[redacted] - FTC $[redacted]= $[redacted] (enough to cover reserves of $[redacted]. | 06/14/2022 |  |  | 1 C A |  | OR | Primary | Purchase | C A | Non QM | Non QM | No |
| 122682004 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Unable to confirm ATR due to excessive DTI from a [redacted] monthly HELOC payment |  |  |  | Reviewer Comment (2022-06-13): Confirmation of payoff in file. Exception cleared<br>Seller Comment (2022-06-13): Please waive finding. The HELOC was paid off in full with [redacted]loan, please see page [redacted]of closing disclosure and per [redacted]guidelines with a [redacted]seasoned over [redacted]months [redacted]% of the current [redacted]balance based on verified information in the loan file. Payoff in file supports credit balance to pay loan in full. | 06/13/2022 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| 122682004 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 62.78933% significantly exceeds the guideline maximum of [redacted] . (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Unable to confirm ATR due to excessive DTI from a [redacted] monthly HELOC payment |  |  |  | Reviewer Comment (2022-06-13): Confirmation of payoff in file. Exception cleared<br>Seller Comment (2022-06-13): Please waive finding. The [redacted]was paid off in full with [redacted]loan, please see page [redacted] of closing disclosure and per [redacted]guidelines with a [redacted]seasoned over [redacted]months [redacted]% of the current [redacted]balance based on verified information in the loan file. Payoff in file supports credit balance to pay loan in full. | 06/13/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122682004 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI is excessive due to excessive DTI from a $[redacted]monthly HELOC payment |  |  |  | Reviewer Comment (2022-06-13): Confirmation of payoff in file. Exception cleared<br>Seller Comment (2022-06-13): Please waive finding. The [redacted]was paid off in full with [redacted]loan, please see page [redacted]of closing disclosure and per [redacted]guidelines with a [redacted]seasoned over [redacted]months [redacted]% of the current [redacted]balance based on verified information in the loan file. Payoff in file supports credit balance to pay loan in full. | 06/13/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122682004 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Unable to confirm ATR due to excessive DTI from a [redacted] monthly HELOC payment |  |  |  | Reviewer Comment (2022-06-13): Confirmation of payoff in file. Exception cleared<br>Seller Comment (2022-06-13): Please waive finding. The [redacted]was paid off in full with [redacted]loan, please see page [redacted]of closing disclosure and per [redacted]guidelines with a [redacted]seasoned over [redacted]months [redacted]% of the current [redacted]balance based on verified information in the loan file. Payoff in file supports credit balance to pay loan in full. | 06/13/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122682004 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-22): Sufficient Cure Provided At Closing |  | 06/22/2022 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| 122964746 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2022-06-06): Sufficient Cure Provided At Closing |  | 06/06/2022 |  | 1 A |  | OR | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | No |
| 122964746 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as [redacted] on page 4. Final CD reflects Estimated Taxes, Insurance & Assessments of [redacted] monthly, correct amount is [redacted]. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122964746 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [redacted] Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-06-10): Documentation provided. Exception cleared<br>Seller Comment (2022-06-10): RCE cert | 06/10/2022 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122606708 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted]on Final Closing Disclosure provided on [redacted] not accurate. | \*\* See post closing CD which has a corrected figure of [redacted] in estimated total amount over 1 year for property costs. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122546601 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-07): Sufficient Cure Provided At Closing |  | 06/07/2022 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122414336 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee increased from $[redacted] to $[redacted] without a valid change of circumstance. A cure for $[redacted] was reflected on the final Closing Disclosure. |  |  |  | Reviewer Comment (2022-08-02): Sufficient Cure Provided At Closing |  | 08/02/2022 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122988576 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | A cure for [redacted] was disclosed on the final Closing Disclosure. |  |  |  | Reviewer Comment (2022-08-03): Sufficient Cure Provided At Closing |  | 08/03/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122869373 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The property is missing a copy of final inspection[redacted] |  |  |  | Reviewer Comment (2022-08-08): Received, Clearing.<br>Seller Comment (2022-08-08): Document attached. | 08/08/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122869373 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Affiliated Business Arrangement was signed by both borrower and seller. |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122869373 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $[redacted] on page 4; however the HOA dues total $[redacted]per year. Final CD Non escrowed reflects Estimated HOA dues of [redacted] monthly, correct amount is $[redacted] as provided on the 1004. Provide a post-close CD correcting the Escrow Account section on page 4 and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122869373 |  |  |  |  |  |  | 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 2. (Points and Fees testing limited to Borrower paid fees.) | Seller closing disclosure is missing |  |  |  | Reviewer Comment (2022-08-10): Review of the purchase contract indicates the property was purchased form the [redacted]and was not obligated to pay s[redacted].<br>Seller Comment (2022-08-08): Uploaded seller CD and settlement stmt w. seller fees | 08/10/2022 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122869373 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-inspection Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-05): Sufficient Cure Provided At Closing |  | 08/05/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122061428 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-05): Sufficient Cure Provided At Closing |  | 08/05/2022 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122061428 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-05): Sufficient Cure Provided At Closing |  | 08/05/2022 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122524328 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The TRID Appraisal Disclosure was provided on [redacted]. |  |  |  | Reviewer Comment (2022-08-15): [ Redacted] received [ Redacted]LE electronically signed on[ Redacted] | 08/15/2022 |  |  | 1 B A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | Yes |
| 122524328 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.38660% or Final Disclosure APR of 8.43600% is in excess of allowable threshold of APOR 5.58% + 1.5%, or 7.08000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-08-15): Received Appraisal disclosure | 08/15/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122524328 |  |  |  |  |  |  | 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 3 days of the loan application date. | The TRID Appraisal Disclosure was provided on [redacted]. |  |  |  | Reviewer Comment (2022-08-15): [ Redacted] received [ Redacted] LE electronically signed by borrower<br>Seller Comment (2022-08-11): [redacted]- Initial Disclosure Package issued [redacted]included Borrower Appraisal Disclosure - executed by borrower within [redacted]days of application, uploaded Borrower Appraisal Disclosure, eSign Console & Appraisal Acknowledgement e-mail to borrower. | 08/15/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122524328 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the RESPA Homeownership Counseling List. |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122524328 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The file is missing a copy of the TRID Initial Closing Disclosure. |  |  |  | Reviewer Comment (2022-08-12): [ Redacted] Received a copy of initial CD dated [ Redacted].<br>Seller Comment (2022-08-11): Disagree - Initial CD [redacted], Intermediate CD [redacted] with COC, Intermediate CD [redacted] with COC were all located in eSign Console. All changes listed on the COC's are valid | 08/12/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 122524328 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to [redacted] may be required. | The file is missing a copy of the TRID Loan Estimate. |  |  |  | Reviewer Comment (2022-08-15): [ Redacted] received [redacted] LE electronically signed on[redacted]<br>Seller Comment (2022-08-15): Signed initial LE<br>Seller Comment (2022-08-11): Disagree - Initial LE [redacted], Intermediate LE with COC [redacted], Intermediate LE [redacted] with COC, Intermediate LE [redacted]with COC, Intermediate LE [redacted] with COC were all located in eSign Console. All changes listed on the COC's are valid. | 08/15/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 122524328 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Title - Closing Protection Letter Fee directly diclosed on final CD with no valid COC |  |  |  | Reviewer Comment (2022-08-15): [ Redacted] received LEs and COC.<br>Seller Comment (2022-08-12): Disagree - the borrower did not choose the settlement or closing provider listed on the SSPL - the CPL is disclosed correctly in Section C and is not subject to tolerance. The CPL is a routine document for the transaction issued by the title underwriter. There is no tolerance cure due on this transaction. | 08/15/2022 |  |  | 1 A |  | NJ | 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 |
| 122514743 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted] (an overage of [redacted] or .54745%). |  |  |  |  | Reviewer Comment (2022-09-01): Exception cleared. Client elects to restate origination as NonQM<br>Buyer Comment (2022-09-01): please restate as NQM<br>Reviewer Comment (2022-08-31): Undiscounted rate and price provided does not exclude any points. Exception remains.<br>Buyer Comment (2022-08-31): undiscounted rate/price of [redacted] allows the exclusion of 1 discount point. Test should pass with 1 point excluded | 09/01/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 122514743 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation is Safe Harbor QM (APOR) |  |  |  | Reviewer Comment (2022-09-01): Exception cleared. Client elects to restate origination as NonQM | 09/01/2022 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 122514743 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Borrower was not provided with a COC |  |  |  | Reviewer Comment (2022-09-08): [ Redacted] received valid changed circumstance for lender credit, cure at closing sufficient.<br>Reviewer Comment (2022-08-31): [ Redacted] - Cure provided at closing is insufficient to cure all open [redacted]% exceptions which includes 'Lender Credits' Exception. This exception will be cleared once resolution is received for 'Lender Credits' exception.<br>Seller Comment (2022-08-30): Response: The Appraisal Fee increase from Initial LE [redacted] to[redacted] on Intermediate CD dated [ Redacted] attached, shows a tolerance cure in the amount of $[ Redacted] in Section J, Page 2. The [redacted] increase in Closing Costs above legal limit remained disclosed through Final Executed CD. The tolerance cure was issued due to no valid COC and there is no additional cure due to the borrower. | 09/08/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 122514743 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of [redacted] is less than amount of binding Lender Credit previously disclosed in the amount of [redacted]. | Final CD should the lender credit as [redacted] |  |  |  | Reviewer Comment (2022-09-08): [ Redacted] received additional information for valid changed circumstance due to rate lock extension<br>Seller Comment (2022-09-06): Comment from [redacted]: Disagree - The discount points in the amount of [ Redacted]were added to Intermediate CD dated [ Redacted] due to rate lock extension, resulting in removal of lender credit in the amount of [ Redacted] . The original lock expired on [redacted], loan was relocked on [redacted] per rate sheet<br>Reviewer Comment (2022-09-02): [ Redacted] received [redacted] Cd and changed circumstance and [redacted] CD and changed circumstance. The [redacted] changed circumstance associated with the [redacted] CD is valid to rebaseline the lender credit to $[ Redacted] for the rate lock extension. However, the [redacted] changed circumstance does not give a valid reason to remove the lender credit and add the discount points. The description reason on the [redacted] changed circumstance only states that the APR disclosed on the recent CD has changed more than [redacted]% and become inaccurate and a new CD will begin a [redacted] waiting period for TRID regulations. This is not a valid reason to reduce the lender credit. Please provide additional information to support a valid reason to reduce lender credit as the form does not clarify.<br>Seller Comment (2022-08-31): Response: The discount points in the amount of $[redacted] were added to Intermediate CD dated [redacted]due to rate lock extension, resulting in removal of lender credit in the amount of[redacted] The addition of discount points and removal of lender credit due to rate lock extension should suffice. Please see attached Attestation Letter, along with Intermediate CD with COC dated[redacted] & Intermediate CD with COC dated[redacted]. | 09/08/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 122514743 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. |  |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 122514743 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client elects to restate origination as NonQM |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 A B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 122514743 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance o[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-09-08): Sufficient Cure Provided At Closing |  | 09/08/2022 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 122437330 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Borrower was not provided with a COC |  |  |  | Reviewer Comment (2022-08-30): [ Redacted] received denial letter and attestation for LE and loan application dated[ Redacted] is for different lender hence no further action required.<br>Seller Comment (2022-08-29): Rebut #2: Uphold - Please see attached Broker email trail and LOX.<br>Reviewer Comment (2022-08-23): [ Redacted] require denial Letter /attestation specifying that loan application Id #[ Redacted] dated [redacted] and LE dated [ Redacted] are for different loan file.<br>Seller Comment (2022-08-22): Review: Disagree - UW Fee of [ Redacted] was disclosed on [ Redacted] from Arc Home initial LE to final CD. No COC or Cure required. See attached Arc initial LE. | 08/30/2022 |  |  | 1 C A |  | IL | 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 |
| 122437330 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [redacted] Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Borrower was not provided with a COC |  |  |  | Reviewer Comment (2022-08-30): [ Redacted] received denial letter and attestation for LE and loan application dated [ Redacted] is for different lender hence no further action required.<br>Seller Comment (2022-08-29): Rebut #2: Uphold - Please see attached Broker email trail and LOX.<br>Reviewer Comment (2022-08-23): [redacted] require denial Letter /attestation specifying that loan application Id #[redacted] dated[redacted] and LE dated [redacted] are for different loan file.<br>Seller Comment (2022-08-22): Review: Disagree - Loan Originator Compensation fee of $[redacted] was disclosed on [redacted] from Arc Home initial LE to final CD. No COC or Cure required. See attached Arc initial LE. | 08/30/2022 |  |  | 1 C A |  | IL | 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 |
| 122437330 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [redacted] Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Borrower was not provided with a COC |  |  |  | Reviewer Comment (2022-08-30): [ Redacted] received denial letter and attestation for LE and loan application dated [ Redacted] is for different lender hence no further action required.<br>Seller Comment (2022-08-22): Review: Disagree - Appraisal fee of $[ Redacted] was disclosed on [ Redacted] from Arc initial LE, decreased fee to $[redacted] on the CDs to reflect the invoice received. See attached Final CD. | 08/30/2022 |  |  | 1 C A |  | IL | 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 |
| 122437330 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing | [redacted] Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of [redacted]on Final Closing Disclosure provided on [redacted] not accurate. | The final CD list the HOA fees as[redacted] monthly but the appraisal came back showing the dues are[redacted]monthly. |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | IL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122437330 |  |  |  |  |  |  | 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 three (3) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2022-08-30): [ Redacted] received denial letter and attestation for LE and loan application dated [ Redacted] is for different lender hence no further action required.<br>Seller Comment (2022-08-29): Rebut #2: Uphold - [redacted] loan with [redacted] was unable to proceed due to the payment shock declined by the UW, thus the Broker needed to find another lender. Arc Home loan with the application date of [redacted] and Initial Disclosure package was issued on the same day; borrower received and signed on [redacted] which was within 3 business days. Please see attached Broker email trail and LOX.<br>Reviewer Comment (2022-08-23): [ Redacted] received comment that [ Redacted] Initial Disclosure package was not uploaded to the loan file. However, borrower acknowledged and signed that application and LE on[ Redacted]. which we cannot ignore as the initial application date for this borrower without proof that application had been withdrawn or denied. If the document was not disclosed to borrower, then required Cancellation or denied letter for the application withdrawn.<br>Seller Comment (2022-08-22): Review: Disagree -[ Redacted] Initial Disclosure Package was from [redacted] and should not been uploaded to the loan file. [redacted] with the application date of[ Redacted] and Initial Disclosure package was issued on the same day; borrower received and signed on [ Redacted] which was within 3 business days. See attached page 3 of Angel Oak LE, Arc LE and DM eSign Cert. | 08/30/2022 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122437330 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | [redacted] Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Document was not received in a timely matter |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122164333 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [redacted] Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Sales Tax. Fee Amount of [redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Sale Tax was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2022-08-22): [ Redacted] received corrected PCCD dated [ Redacted] with fee name updated as 'Title-Sales Tax' along with LOE.<br>Seller Comment (2022-08-19): Uploaded PCCD and LOX for clerical adjustment of title fee name to Title- Sales Tax. Sales tax is paid by the title company for the title policy as a retail product. Borrower shopped title companies, and is correctly listed on p2, Section C of the CD therefore no COC required. | 08/22/2022 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | 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 |
| 122164333 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | [redacted] Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated[redacted] | [redacted] received Corrected CD issued[redacted]. Section C reflects a fee for Title-Sales Tax for [redacted] (fee also shown on Final CD). Unable to determine which fee the sales tax is related to and is included in finance charge calculation. • [redacted] analyzes sales tax on a fee by fee basis to determine when it is included as an APR fee. If the sales tax is on a finance charge, we will include the sales tax on that item as a finance charge. If the tax is on a non-APR fee, then we will not include the item in the finance charges. The reason for this analysis is that the borrower would not need to pay sales tax on that item if it were a cash transaction. We need to determine the title service the sales tax is associated with to determine if the sales tax is a non-APR fee. We are not requesting a settlement agent to attest to an APR calculation, we are asking for information explaining what service(s) are associated with the sales tax.<br> The lender may provide one of the following to allow us to further analyze the sales tax:<br> 1. [redacted] LOE to borrower and corrected CD with a more specific sales tax fee name, (i.e. Title-Lender title insurance Sales Tax);<br> 2. Specific LOE to borrower that indicates the sales tax should have been named differently (i.e. Title - Sales tax on Document Preparation, etc); or<br> 3. Attestation from the settlement agent that specifies the purpose of the title service that was taxed<br> If the sales tax is not associated with an APR fee, then it will be removed from the APR calculation. If the sales tax is associated with an APR fee, it will be included in the calculation and a cure will be required. |  |  |  | Reviewer Comment (2022-08-26): [ Redacted] received attestation from title company confirming sales tax charged was related to a non-finance charge, for title insurance.<br>Seller Comment (2022-08-24): Disagree - uploaded email attestation from the title agent confirming that the sales tax is specifically related to the title insurance policy itself. | 08/26/2022 |  |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 122687393 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 122068615 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review fee was last disclosed as[redacted] on LE but disclosed as[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-22): Sufficient Cure Provided At Closing |  | 06/22/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122068615 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [redacted] Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance o[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as[redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-22): Sufficient Cure Provided At Closing |  | 06/22/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122831056 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | [redacted] appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal was transferred from other Lender. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122831056 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [redacted] Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Natural Hazard Disclosure. Fee Amount of [redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Natural Hazard disclosure was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-14): [ Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Seller Comment (2022-07-13): PCCD with refund |  | 07/14/2022 |  | 2 C B |  | CA | 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 |
| 122304909 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as[redacted] on LE but disclosed as[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-22): Sufficient Cure Provided At Closing |  | 06/22/2022 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A B | Non QM | Non QM | No |
| 122304909 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | [redacted] appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan is high priced and does not qualify for safe harbor |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Purchase | A B | Non QM | Non QM | No |
| 122245603 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing CPA letter. |  |  |  | Reviewer Comment (2022-06-15): Documentation provided. Exception cleared<br>Seller Comment (2022-06-14): Please see on license it does state borrowers name [redacted] and uploaded the Class code for [redacted] for this type of license for the borrowers. Also, please see the very detailed LOE addressing the borrowers business is Schedule C along with the UW's analysis (pages [redacted]) and per [redacted] guidelines is allowed for negative impact when using business funds. • Verification that the withdrawal of funds will not have a negative impact on the business must be documented with one of the following:<br> o Signed letter from a CPA or<br> o Underwriter completed cash flow analysis using most recent 3 months business bank statements determining impact of funds withdrawal from<br> business<br>Reviewer Comment (2022-06-14): business license does not provide ownership. Also missing evidence that use of business funds will not have a negative impact on the business<br>Seller Comment (2022-06-14): Please waive the finding, there is an LOE in initial file page [redacted] and business license [redacted] along with the additional LOE's on how business is generated uploaded. | 06/15/2022 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 122245603 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | [redacted] Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 o[redacted]on Final Closing Disclosure provided on[redacted] not accurate. | Estimated Property Costs over Year 1 on Final Closing Disclosure is not accurate due to Tax Amount. |  |  |  |  |  |  |  | 2 B |  | CA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122135294 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as[redacted].on page 4; however the HOA dues total $[redacted]per year, Annual Taxes are[redacted] and annual homeowners insurance i[redacted]. Final CD reflects Estimated Taxes, Insurance & Assessments of[redacted] monthly, correct amount is[redacted]. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122135294 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-06-13): documentation provided. Exception cleared<br>Seller Comment (2022-06-13): Please see uploaded loan approval | 06/13/2022 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122135294 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [redacted] Integrated Disclosure: Zero 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. | Appraisal Fee was last disclosed as[redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-07): Sufficient Cure Provided At Closing |  | 06/07/2022 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| 122364252 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Lender cure in the amount of [redacted] provided for cure. |  |  |  | Reviewer Comment (2022-06-02): Sufficient Cure Provided At Closing |  | 06/02/2022 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122589200 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted] of the amount past due or grace period of less than 15 days. | Mortgage loan contains a late charge that exceeds the greater of [redacted] of the amount past due or grace period of less than 15 days. |  |  |  | Reviewer Comment (2022-06-08): Documentation provided. Exception cleared<br>Seller Comment (2022-06-08): Not a hoepa loan | 06/08/2022 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| 122589200 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of[redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees of[redacted] on a Federal Total Loan Amount of[redacted] vs. an allowable total of [redacted] (an overage of[redacted] or [redacted]). Non-Compliant High Cost Loan. | Loan is identified as High Cost. Please provide a rate sheet detailing the par rate and cost of points and fees. |  |  |  | Reviewer Comment (2022-06-08): Documentation provided. Exception cleared<br>Seller Comment (2022-06-08): Rate Sheet | 06/08/2022 |  |  | 1 C A |  | CT | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C | Non QM | Non QM | No |
| 122589200 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae[redacted] Points and Fees Test. Points and Fees on subject loan o[redacted] is in excess of the investor allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total[redacted] on a Federal Total Loan Amount of[redacted]vs. an investor allowable total of[redacted] (an overage of $[redacted]4 or[redacted]). | Loan is identified as High Cost. Please provide a rate sheet detailing the par rate and cost of points and fees. |  |  |  | Reviewer Comment (2022-06-13): Loan exceeds FNMA allowable for points and fees | 06/13/2022 |  |  | 1 B A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| 122589200 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2022-06-10): [ Redacted] received [ Redacted] CD<br>Seller Comment (2022-06-08): Initial CD and e-sign log from[ Redacted] to show sufficient timing | 06/10/2022 |  |  | 1 C A |  | CT | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 122882289 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Appraisal Desk Review Fee was last disclosed as [redacted] on LE but disclosed as[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-21): Sufficient Cure Provided within 60 Days of Closing |  | 06/21/2022 |  | 1 A |  | CA | Second Home | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| 122882289 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero 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. | Credit report Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-21): Sufficient Cure Provided within 60 Days of Closing |  | 06/21/2022 |  | 1 A |  | CA | Second Home | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| 122017663 |  |  |  |  |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[redacted] is less than the note amount of[redacted] based on the Preliminary in file. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122017663 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: All conditions were not met |  | 24 months canceled checks for VOR not provided as credit tradeline requirement was not met. No Exception approval in file |  |  |  | Reviewer Comment (2022-07-07): Exception provided. Exception cleared<br>Seller Comment (2022-07-07): Please see attached [redacted] loan exception on tradelines. Please waive finding. | 07/07/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122217064 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application. | Neither box is checked on document acknowledging when borrower received disclosure. Document is signed and dated the day of closing. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122217064 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [redacted] Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Fee was last disclosed as [redacted]. on CD but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-14): [ Redacted] Received COC dated[ Redacted] shows a valid reason for change<br>Seller Comment (2022-07-13): COC with CD<br>Reviewer Comment (2022-07-12): [ Redacted] Received a copy of COC dated[ Redacted], however the Discvount point fees again increased from $[ Redacted] to [ Redacted]on CD dated [ Redacted] and we do not have a valid COC for this change. Please provide a valid COC for CD dated [redacted] showing a reason for increase in Discount point fees or provide cure documents<br>Seller Comment (2022-07-11): COC reflecting change of discount fees<br>Seller Comment (2022-07-11): See attached valid COC | 07/14/2022 |  |  | 1 C A |  | OH | 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 |
| 122217064 |  |  |  |  |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines |  | Non arms length transaction is allowed but unable to determine that seller mortgage history meets guidelines. Twelve months statements are provided but all show past due payment. |  |  |  | Reviewer Comment (2022-07-07): Documentation provided. Exception cleared<br>Seller Comment (2022-07-07): Please waive finding per the[redacted] page of the mortgage statements are showing the prior months mortgages being paid but not being paid prior to the [redacted]th of the month due so the sellers were paying PITI plus late charges of $[redacted] The payoff statement was provided within loan file page(s) [redacted] along with the mortgage statements from page(s) [redacted]. Uploaded payoff again. | 07/07/2022 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122342721 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [redacted] Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of[redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-24): Sufficient Cure Provided At Closing |  | 06/24/2022 |  | 1 A |  | SC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122342721 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina 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. |  |  |  |  | Reviewer Comment (2022-07-07): Documentation provided. Exception cleared<br>Seller Comment (2022-07-07): SC Borrower Complalints disclosure | 07/07/2022 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 122425866 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | [redacted] Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender cure of[redacted] provided for cure. |  |  |  | Reviewer Comment (2022-06-24): Sufficient Cure Provided At Closing |  | 06/24/2022 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122930303 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | [redacted]Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-inspection Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-24): Sufficient Cure Provided At Closing |  | 06/24/2022 |  | 1 A |  | HI | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122278078 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | [redacted] Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | MO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 122530238 |  |  |  |  |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Expired visa, proof of current immigration status required. |  |  |  | Reviewer Comment (2022-07-08): Documentation provided. Exception cleared<br>Seller Comment (2022-07-07): Please waive finding. The [redacted] was provided in thee initial loan file, see page(s) [redacted]. Uploaded again for quick reference. | 07/08/2022 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 122913678 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test | [redacted] Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Amount of Escrowed Property Costs over Year 1 of[redacted]on Final Closing Disclosure provided on[redacted] not accurate, Payments Per Year 12000 projected payment is [redacted] |  |  |  | Reviewer Comment (2022-07-05): cured with PCCD |  | 07/05/2022 |  | 2 C B |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122913678 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure Estimated Escrow Payment Under Disclosed, an escrow payment for payment stream 1 that does not match the actual payment for the loan.<br> Cured |  |  |  | Reviewer Comment (2022-07-05): Cured with PCCD |  | 07/05/2022 |  | 2 C B |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | No |
| 122913678 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | [redacted] Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated[redacted]). | closing disclosure total payment is [redacted] calculated final total payment is [redacted]. |  |  |  | Reviewer Comment (2022-07-05): cured with PCCD |  | 07/05/2022 |  | 2 C B |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| 122913678 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed | [redacted] Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Actual escrow payment is[redacted] and the closing disclosure projected payment is[redacted] |  |  |  | Reviewer Comment (2022-07-05): Sufficient Cure Provided At Closing |  | 07/05/2022 |  | 1 A |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122875384 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of 7.18200% is in excess of allowable threshold of APOR 5.33% + 1.5%, or 6.83000% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 122469740 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The provided documentation evidences [redacted] in reserves; however, the reserves required are[redacted], a [redacted] shortgage of funds. Note, the Approval and Final 1003 reference a[redacted] gift; however, the gift letter and wire receipt reflect a[redacted] gift, a [redacted] variance from the Approval and Final 1003. |  |  |  | Reviewer Comment (2022-07-12): Documentation provided. Exception cleared<br>Seller Comment (2022-07-12): See attached PCCD and calculation. Sufficient assets available to meet reserve requirements.<br>Reviewer Comment (2022-07-08): Final CD provided shows Cash to close from borrower as[ Redacted] leaving[ Redacted] for reserves. which is less than the required [redacted] months. Exception remains<br>Seller Comment (2022-07-07): Final 1008 reflects Verified Assets of $[redacted] which consists of $[redacted] in Chase account [redacted] and Gift of $[redacted] (not deposited). Transaction summary for Chase account #[redacted]dated [redacted] supports balance of $[redacted] and Gift Letter reflects $[redacted]. Final Settlement Statement reflects funds deposited by the Borrower in the amount of $[redacted] (including Gift) with $[redacted] due to Borrower at closing (net $[redacted]). This leaves a surplus of $[redacted]. [redacted] months reserves required per FLEX guidelines ($[redacted]). Reserve requirements met. | 07/12/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122416724 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-29): Sufficient Cure Provided At Closing |  | 06/29/2022 |  | 1 A |  | TX | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122996174 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Reinspection Fee was not disclosed as a base line fee. Cure provided at closing |  |  |  | Reviewer Comment (2022-06-29): Sufficient Cure Provided At Closing |  | 06/29/2022 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| 122152164 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-29): Sufficient Cure Provided At Closing |  | 06/29/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122610823 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Amount of Non-Escrowed Property Costs over Year 1 of[redacted] on Final Closing Disclosure provided on[redacted] not accurate. Subject property HOA dues are [redacted] per month or[redacted] annually. |  |  |  | Reviewer Comment (2022-07-08): [ Redacted] upon further review the property is in a flood zone that required flood insurance and it must be escrowed in the payment. Final CD did not disclose any flood insurance escrowed. Kindly provide Corrected CD along with LOX with correction on Non - escrowed property cost. Also, correction to be made on First payment letter and IEAD.<br>Seller Comment (2022-07-06): the total amount of non-escrowed property costs includes [ Redacted] for flood insurance [ Redacted]) +[ Redacted] for the HOA dues, please review. the CD is correct. |  |  |  | 2 B |  | NJ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122305740 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | [redacted] Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of[redacted] exceeds tolerance of [redacted] plus 10% or[redacted]. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include amount, a copy of refund check in the amount of [redacted], proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-07): [redacted] received Letter of Explanation, Copy of Refund Check, and Corrected CD<br>Seller Comment (2022-07-06): PCCD w/refund<br>Reviewer Comment (2022-06-22): [ Redacted] Received Changed Circumstance dated[ Redacted], but it does not give sufficient information on why the Recording fee was increased on CD dated [ Redacted] . In order to determine if the changed circumstance is valid more information is necessary justifying why the fee was increased. 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>Seller Comment (2022-06-21): coc with CD |  | 07/07/2022 |  | 2 C B |  | NY | 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 |
| 122862368 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [redacted] Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing changes made. |  |  |  | Reviewer Comment (2022-07-07): [redacted] received PCCD, LOE, Proof of delivery & refund check.<br>Seller Comment (2022-07-06): PCCD with refund<br>Seller Comment (2022-07-06): See PCCD with refund<br>Reviewer Comment (2022-06-21): [ Redacted] upon further review in provided COC dated[ Redacted] refelcting Sales Price and Loan Amount was decreases, which is a not a valid reason for Appraisal Desk Review fee added on LE [ Redacted]. So kindly provide a valid COC with additional information to justify why the fee added on LE[ Redacted] or provide Cure.<br>Seller Comment (2022-06-20): COC and LE<br>Seller Comment (2022-06-20): LE with COC attached for appraisal desk review fee |  | 07/07/2022 |  | 2 C B |  | CA | 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 |
| 122314073 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | [redacted] Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of[redacted]exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-07): [ Redacted] Received PCCD, LOE, Copy of check and delivery report for the cure provided.<br>Seller Comment (2022-07-07): PCCD with refund<br>Seller Comment (2022-07-07): Please see PCCD with refund of $[redacted]<br>Reviewer Comment (2022-06-07): [ Redacted]- Second Appraisal Fee was added on[ Redacted] CD for [ Redacted]. COC dated[ Redacted] states 'CDA for a [redacted] program needed', however, loan program was [redacted] since initial stage. Please provide additional information if there was a change in program & when the lender became aware of the change or else cure is needed. Exception remains open for further review.<br>Seller Comment (2022-06-06): COC letter |  | 07/07/2022 |  | 2 C B |  | PA | 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 |
| 122506108 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA letter missing |  |  |  | Reviewer Comment (2022-05-27): Documentation in file. Exception cleared<br>Seller Comment (2022-05-27): Please waive findings. Per [redacted] guidelines CPA letter, operating statement or equivalent to document ownership percentage is acceptable. The SOS was uploaded within the initial loan file, see page(s)[redacted]. Uploading again for a quick reference. | 05/27/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122148765 |  |  |  |  |  |  | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $2000. |  | Second lien being paid off is considered cash out as this was not a purchase money second |  |  |  | Reviewer Comment (2022-07-07): Exception cleared<br>Seller Comment (2022-07-07): [ Redacted] (DW): DISAGREE. Ledger and consummation CD reflect required cash-to-close in the amount of[ Redacted]. Borrower received no cash back at closing. Commentary on 1008 addresses the existing second lien and reasoning for consideration as a Rate/Term. Response uploaded for [redacted] review. | 07/07/2022 |  |  | 1 C A |  | MD | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122958560 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2022-07-07): documentation provided, exception cleared<br>Seller Comment (2022-07-06): Hazard & Flood Ins Cert | 07/07/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122958560 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  | The hazard insurance documentation does not contain the annual premium |  |  |  | Reviewer Comment (2022-07-07): Documentation provided. Exception cleared<br>Seller Comment (2022-07-06): Premiums listed | 07/07/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122958560 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Hazard insurance policy covers HO3 / Windstorm / Flood. However the Flood coverage is insufficiently documented, the Estimated Cost New is $313,560, and the policy fails to cover that. Exception is for the Flood Insurance coverage portion being insufficient, with no premium amount listed |  |  |  | Reviewer Comment (2022-07-11): Documentation provided. Exception cleared<br>Seller Comment (2022-07-11): Checklist of Coverage<br>Seller Comment (2022-07-11): RCE and FL Statute<br>Reviewer Comment (2022-07-07): Policy shows coverage of[ Redacted] with [redacted]% replacement cost marked no.. <br> Coverage is insufficient. Exception remains<br>Seller Comment (2022-07-06): Property located in state of [redacted] with limits. Please review to clear | 07/11/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122958560 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | [redacted] Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The Non Escrowed property costs over year 1 does not align to the calculated amount, due to missing hazard policy premium |  |  |  | Reviewer Comment (2022-07-08): [redacted] received Post CD and LOX.<br>Seller Comment (2022-07-06): insurances and PCCD |  | 07/08/2022 |  | 2 B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122958560 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. |  | Flood Policy is missing |  |  |  | Reviewer Comment (2022-07-07): Documentation provided. Exception cleared | 07/07/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122214874 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-07-08): Documentation provided. Exception cleared<br>Seller Comment (2022-07-07): Loan Approval uploaded | 07/08/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122231334 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| 122686636 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing copy of statement or tax verification and insurance verification for [redacted]. |  |  |  | Reviewer Comment (2022-07-14): Documentation provided. Exception cleared<br>Seller Comment (2022-07-14): See attached explanation | 07/14/2022 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| 122686636 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | [redacted] Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Unable to confirm the appraisals were provided to the borrower after the completion date, and prior to closing |  |  |  | Reviewer Comment (2022-07-14): valid<br>Seller Comment (2022-07-14): See attached explanation | 07/14/2022 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| 122686636 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide supporting documentation for [redacted] to confirm monthly payment |  |  |  | Reviewer Comment (2022-07-14): Documentation provided. Exception cleared | 07/14/2022 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| 122193905 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | The date of the appraisal is[redacted] while the consummation date is[redacted] It appears the the appraisal was ordered after the consummation date |  |  |  | Reviewer Comment (2022-07-15): Exception cleared. Documentation provided.<br>Seller Comment (2022-07-15): Please see rebuttal uploaded [ Redacted] and remove finding. | 07/15/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122193905 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | [redacted] Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date appraisal provided to borrower was prior to Report Date on appraisal. |  |  |  | Reviewer Comment (2022-07-15): Documentation provided. Exception cleared | 07/15/2022 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122193905 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of 7.02600% is in excess of allowable threshold of APOR 5.18% + 1.5%, or 6.68000%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of 7.02600% is in excess of allowable threshold of APOR 5.18% + 1.5%, or 6.68000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2022-07-15): Documentation provided. Exception cleared | 07/15/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122032901 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The file was missing [redacted] for borrower for employment chance for change |  |  |  | Reviewer Comment (2022-07-20): Removed previous employment per the lender. 2 year history established with county<br>Seller Comment (2022-07-19): A 2 year history of employment was established with the VOE from in home support services [ Redacted] to[ Redacted]) and B1 current employment with [redacted].<br>Reviewer Comment (2022-07-15): VOE for "Change for Change" is missing from the loan file. Exception remains<br>Seller Comment (2022-07-15): [ Redacted] (DW): VOE for B1 [redacted] dated [ Redacted] included in original submission package[redacted] | 07/20/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122854134 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted]exceeds tolerance o[redacted]. Insufficient or no cure was provided to the borrower. | Sufficient cure for the $[redacted] increase in Appraisal fee was provided at closing. This exception is set, as another insufficient cure needs further documentation to satisfy. |  |  |  | Reviewer Comment (2022-07-19): [ Redacted] sufficient cure provided at closing.<br>Seller Comment (2022-07-18): FSS<br>Seller Comment (2022-07-18): the[ Redacted] cure was paid at time of funding see final settlement statement | 07/19/2022 |  |  | 1 C A |  | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| 122854134 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The statement confirming principal and interest payments for [redacted] is missing from the loan file |  |  |  | Reviewer Comment (2022-07-15): Credit report will be sufficient. Exception cleared<br>Seller Comment (2022-07-15): [ Redacted] (DW): The monthly payment considered in qualifying [ Redacted]/m) for the property located at[redacted] is documented on the credit report, [redacted]account #[redacted] (page [redacted] of submission package). | 07/15/2022 |  |  | 1 C A |  | CO | Second Home | Purchase | C A | Non QM | Non QM | No |
| 122854134 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of[redacted] exceeds tolerance of[redacted]Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-19): Sufficient Cure Provided At Closing |  | 07/19/2022 |  | 1 A |  | CO | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122004102 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | Reviewer Comment (2022-07-15): Document provided. Exception cleared<br>Seller Comment (2022-07-15): Work Number VOE dated[ Redacted] for B2 employment with [redacted] uploaded | 07/15/2022 |  |  | 1 C A |  | HI | Second Home | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 122004102 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [redacted] for [redacted] dated within 10 business days of the note is not provided |  |  |  | Reviewer Comment (2022-07-15): Document provided. Exception cleared<br>Seller Comment (2022-07-15): Work Number VOE dated[ Redacted] for B2 employment with [redacted] uploaded | 07/15/2022 |  |  | 1 C A |  | HI | Second Home | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 122608696 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2022-07-15): Document provided. Exception cleared<br>Seller Comment (2022-07-15): Final URLA | 07/15/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | C B A | N/A | N/A | No |
| 122608696 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2022-07-19): Documentation provided. Exception cleared<br>Seller Comment (2022-07-18): Fraud report | 07/19/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | C B A | N/A | N/A | No |
| 122608696 |  |  |  |  |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  |  |  |  |  | Reviewer Comment (2022-07-15): Document provided. Exception cleared<br>Seller Comment (2022-07-15): [redacted] Rider | 07/15/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | C B A | N/A | N/A | No |
| 122608696 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2022-07-19): Documentation provided. Exception cleared<br>Seller Comment (2022-07-18): Fraud report | 07/19/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | C B A | N/A | N/A | No |
| 122608696 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of[redacted] is in excess of the allowable maximum of the greater of[redacted] of the Original Loan Amount and[redacted](2022). FNMA Finance Charge total[redacted] on a Original Loan Amount of[redacted] vs. an allowable total of [redacted][redacted] and[redacted] (2022) (an overage of [redacted].[redacted]8 or [redacted]). |  |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | C B A | N/A | N/A | No |
| 122475374 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide documentation confirming mortgage payment. A 1008 is insufficient |  |  |  | Reviewer Comment (2022-07-21): Documentation provided. Exception cleared<br>Seller Comment (2022-07-21): Please clear finding based on explanation provided. There are no prior mortgage statements to provide as there are no prior mortgages. Both properties were owned free and clear at the time of application. | 07/21/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 122475374 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide documentation confirming mortgage payment. A 1008 is insufficient |  |  |  | Reviewer Comment (2022-07-21): Documentation provided. Exception cleared<br>Seller Comment (2022-07-21): Please clear finding based on explanation provided. There are no prior mortgage statements to provide as there are no prior mortgages. Both properties were owned free and clear at the time of application. | 07/21/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 122475374 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of[redacted] is in excess of the allowable maximum of the greater of[redacted] of the Original Loan Amount and[redacted] (2022). FNMA Finance Charge tota[redacted]on a Original Loan Amount of [redacted] vs. an allowable total of[redacted] and[redacted](2022) (an overage of $[redacted] or .[redacted]. | The loan exceeded the FNMA Points and Fees threshold but is allowed, per investor. |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 122328371 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 122328371 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Per the Appraisal the HOA Dues are [redacted] per month or [redacted] per year. |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122328371 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of[redacted]exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-07): Sufficient Cure Provided At Closing |  | 07/07/2022 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| 122169786 |  |  |  |  |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | File was missing current citizenship status on both borrower and co-borrower all documentations provided are expired. |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): Pages [redacted] of original upload show extension through [ Redacted] while I-829 is in process. | 08/03/2022 |  |  | 1 C A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| 122266610 |  |  |  |  |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Please provide the Preliminary Title with the coverage amount. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122266610 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Please provide the Fraud Report. |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): Fraud Report uploaded for [redacted] review | 08/03/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122266610 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Please provide the Fruad Report. |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): Fraud Report uploaded for [redacted] review | 08/03/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122751104 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-07-07): Documentation provided. Exception cleared<br>Seller Comment (2022-07-07): Please see the uploaded loan approval. | 07/07/2022 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Home Improvement | C A | N/A | N/A | No |
| 122809181 |  |  |  |  |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Guidelines require 3 months reserves, plus 2 months of payments for rental property totaling [redacted]. Funds available for reserves total [redacted] |  |  |  | Reviewer Comment (2022-08-04): Documentation provided. Exception cleared<br>Seller Comment (2022-08-04): Please reference the transaction summary (pages [redacted]) for [redacted] account #[redacted]which supports a balance of [redacted] as of [redacted]<br>Reviewer Comment (2022-08-03): most recent bank statement from account ending [redacted] totals [redacted]<br>Seller Comment (2022-08-03): Total Verified Assets are[ Redacted] with [redacted] required to close, leaving [redacted] available to meet reserve requirements. Guidelines require [redacted] reserves for the subject property [redacted]. Guidelines require an additional [redacted] reserves for each financed property however, the property located at [redacted] is owned free and clear. Additional reserves are not required. | 08/04/2022 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122809181 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated reserves of [redacted] months is less than the required reserves of 3 |  |  |  | Reviewer Comment (2022-08-05): Documentation provided. exception cleared<br>Seller Comment (2022-08-04): Please provide your calculation which results in reserves of [redacted]<br>The $[redacted] in Total Verified Assets is comprised of the $[redacted] held in [redacted] account #[redacted] as of [redacted] (see transaction summary on pages [redacted]) plus the $[ Redacted] held in[ Redacted] as of the[ Redacted] statement period ending (pages [redacted]). The consummation CD (pages [redacted]) reflects required funds to close in the amount of[redacted] which is consistent with the figure reflected on the final settlement statement (pages [redacted]). After deducting the required[ Redacted] in required funds to close from the Total Verified Assets of [ Redacted] the net funds available for reserves is [ Redacted] Using the proposed PITIA of [ Redacted]/m for the subject property, the required [redacted] months reserves [redacted] The reserve requirements have been met. | 08/05/2022 |  |  | 1 A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122365117 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide documentation for expense of [redacted] as we are unable to confirm that amount. The property has no liens. Taxes, insurance, and HOA are confirmed through documentation in the loan file |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): See tax documentation included in original submission package (pages [redacted]). | 08/03/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 122663492 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Please provide the Fraud Report. |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): Fraud Report uploaded for [redacted] review | 08/03/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122663492 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Please provide the Fraud Report. |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): Fraud report uploaded for [redacted] review | 08/03/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122663492 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): [redacted] requirements not satisfied. | Loan is high priced and would not meet [redacted] requirement |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122246176 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | [11:45 AM] [redacted]<br> the delivery date is the same as the effective date, but after the report date of the appraisal |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122357578 |  |  |  |  |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title policy is less than the loan amount |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 122190942 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | B A | Non QM | Non QM | No |
| 122190942 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | Good Faith Redisclosure B A | Non QM | Non QM | No |
| 122443027 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower. | The Appraisal fee exceeded the threshold by [redacted] and satisfactory cure was made to the borrower. |  |  |  | Reviewer Comment (2022-07-07): Sufficient Cure Provided within [redacted] of Closing |  | 07/07/2022 |  | 1 A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122443027 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The estimated property costs over 1 year are inaccurate. The property taxes are higher due to the calculation being off a sales price of [redacted] |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122876986 |  |  |  |  |  |  | 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 three (3) 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. | Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Electronic consent date is [redacted] |  |  |  | Reviewer Comment (2022-07-28): [redacted] received e-consent dated [redacted]<br>Seller Comment (2022-07-27): Please review to clear - Our e-sign log states borrower consented on [redacted] at [redacted] AM MDT. Attached is the completed one, also highlighted the verbiage on last page that states in order to receive, view and/or sign documents, consent must be made.<br>Reviewer Comment (2022-07-26): [redacted] Received E-sign Process summary, which does not reflect "Accepted" or Authorized for the actual e-sign consent. No entry located in summary stating "electronic consent approved/authorized. Provide signed E-consent agreement or provide proof of LE being sent by alternative method.<br>Seller Comment (2022-07-25): E-sign log for the Initial LE [redacted] | 07/28/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122876986 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122876986 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as [redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. Due to the esign date, the change of the LE is not recognized. Please provide an updated e-sign consent date disclosure |  |  |  | Reviewer Comment (2022-07-27): [redacted] upon further review e-consent received is acceptable. consumer is within [redacted]% tolerance requirements.<br>Seller Comment (2022-07-27): COC for the [Redaction]<br>Reviewer Comment (2022-07-26): [redacted] Received E- sign is not acceptable also unable to reset the baseline as the points increased on LE dated [redacted] and we do have a COC for the same but the E-sign consent provided is not acceptable. Hence, kindly provide a valid E-sign consent or cure documents for the same.<br>Seller Comment (2022-07-25): E-sign log for Intermediate LE [redacted] | 07/27/2022 |  |  | 1 C A |  | FL | 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 |
| 122015918 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | REO Documents are required but not provided. |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): Payment is impounded. Mortgage statement uploaded to Clarity for [redacted] review. | 08/03/2022 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
| 122428183 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Please provide the Loan Approval. |  |  |  | Reviewer Comment (2022-07-19): Documentation provided. Exception cleared<br>Seller Comment (2022-07-18): Loan Approval uploaded for [redacted] review | 07/19/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122090735 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide the documentation evidencing the monthly HOA amount. |  |  |  | Reviewer Comment (2022-08-03): documentation in file. exception cleared<br>Seller Comment (2022-08-03): [Redaction] (DW): Evidence of HOA dues included in original submission package [redacted]. Response entered in Clarity for [redacted] review. | 08/03/2022 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
| 122225107 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing changes made. |  |  |  | Reviewer Comment (2022-07-12): Sufficient Cure Provided At Closing |  | 07/12/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122690725 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The [redacted] Questionnaire fee exceeded the tolerance threshold by [redacted] with sufficient cure provided to the borrower at closing. |  |  |  | Reviewer Comment (2022-07-11): Sufficient Cure Provided At Closing |  | 07/11/2022 |  | 1 A |  | NV | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122731495 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. |  | Borrower indicated she is a [redacted] or [redacted] on a debt not disclosed on the application. Please provide evidence of undisclosed debt to count toward DTI |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): The co-signed obligation ([redacted] account #[redacted]) is reflected on the credit report (page [redacted] of original submission package). Final Loan Disclosure for this loan uploaded to Clarity for [redacted] review. | 08/03/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 122836019 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Please provide a copy of the Loan Approval. |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): Approval uploaded for [redacted] review | 08/03/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122955594 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B |  | IL | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 122204159 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): Approval uploaded for [redacted] review | 08/03/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122881491 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year [Redaction] of [Redaction] on Final Closing Disclosure provided on [Redaction] not accurate. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122881491 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three [Redaction] business days prior to closing. |  |  |  | Reviewer Comment (2022-07-28): [redacted] received initial CD [redacted]and proof of receipt.<br>Seller Comment (2022-07-27): Initial CD [redacted]<br>Reviewer Comment (2022-07-27): Current loan file contains [redacted] CD only. Please provide all CDs sent to borrower in this transaction for review and testing.<br>Seller Comment (2022-07-25): Timing acceptable - the Initial CD was signed [Redaction], and the Final (consummation) CD signed on [redacted]. Please review to clear | 07/28/2022 |  |  | 1 C A |  | PA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 122881491 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redaction] exceeds tolerance of [Redaction]. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as [Redaction] on LE but disclosed as [Redaction] on Final Closing Disclosure. |  |  |  | Reviewer Comment (2022-08-01): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check.<br>Seller Comment (2022-07-29): PCCD with cure |  | 08/01/2022 |  | 2 C B |  | PA | 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 |
| 122040903 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [Redaction] exceeds tolerance of [Redaction] plus [Redaction] or [Redaction]. Insufficient or no cure was provided to the borrower. | [Redaction] tolerance was exceeded by [Redaction] No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redaction], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-28): [Redaction] received a corrected PCCD, LOE and along with Certified copy of the Final SS for the Recording fee reduced and there is no tolerance violence.<br>Seller Comment (2022-07-27): PCCD<br>Reviewer Comment (2022-07-27): SitusAMC upon further review, no new document uploaded. Please provide PCCD along with LOE, as evidence fee has not been disclosed to the borrower. True and Certified Final Settlement Statement is present in file; however, require supporting documents.<br>Seller Comment (2022-07-26): Please refer to the attached FSS and PCCD that reflects the final recording fees as [Redaction] dollars which is under the tolerance of [Redaction] | 07/28/2022 |  |  | 1 C A |  | CA | 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 | No |
| 122328837 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redaction] on a first lien purchase transaction did not disclose any Seller paid fees/charges on [Redaction]. (Points and Fees testing limited to Borrower paid fees.) | Purchase transaction did not disclose any Seller paid fees/charges |  |  |  | Reviewer Comment (2022-07-28): [Redaction] received Seller final settlement statement<br>Seller Comment (2022-07-26): Seller FSS<br>Seller Comment (2022-07-26): Please see Seller's portion of the FSS and note that there are no seller paid fees that are required to be reflected on the buyers CD - for instance this was a [redacted] so no realtor fees; borrower paid for the title fees the borrower CD was completed correctly please waive condition, thank you | 07/28/2022 |  |  | 1 C A |  | IN | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | No |
| 122328837 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redaction] exceeds tolerance of [Redaction]. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided a credit of [Redaction] for cure. |  |  |  | Reviewer Comment (2022-07-12): Sufficient Cure Provided At Closing |  | 07/12/2022 |  | 1 A |  | IN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122328837 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [Redaction]exceeds tolerance of [Redaction] Sufficient or excess cure was provided to the borrower at Closing. | Lender provided a credit of [Redaction] for cure. |  |  |  | Reviewer Comment (2022-07-12): Sufficient Cure Provided At Closing |  | 07/12/2022 |  | 1 A |  | IN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122346687 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing changes made. |  |  |  | Reviewer Comment (2022-07-12): Sufficient Cure Provided At Closing |  | 07/12/2022 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | No |
| 122996051 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redaction] of [Redaction]on Final Closing Disclosure provided on [Redaction] not accurate. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122717050 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redaction] disclosed an inaccurate Total of Payments on page [Redaction] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redaction]. | The second appraisal fee increased on the PCCD by $[Redaction] without a valid COC. Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD in order to cure |  |  |  | Reviewer Comment (2022-09-07): [Redaction] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD.<br>Seller Comment (2022-09-02): Comment from [redacted] ([redacted]): Uploaded PCCD, LOX, check and shipping label<br>Reviewer Comment (2022-08-31): [redacted] received [Redaction] LE & appraisal invoice. However, this documentation does not address the TOP underdisclosure at closing. TOP disclosed on the final CD is inaccurate based on fees disclosed on the PCCD dated [redacted] resulting from $[redacted] increase in borrower paid loan costs reflected in Section D. [redacted] testing approach as a TPR assumes that fee changes reflected on a PCCD are corrections, rather than updates of fees that would result from changes that occurred after closing. That is, a lender incorrectly disclosed fees they were aware of (or should have been aware of) on the final CD and therefore issued a PCCD reflecting the actual fees that should have been disclosed on the final CD. Accordingly, [redacted] will calculate the TOP based on corrected fees on the PCCD and cite exceptions if the TOP disclosed on the final CD (provided at or before consummation) is inaccurate based on the updated fees shown on PCCD. The reason for testing in this manner is that (1) 1026.17(b) (and related commentary) provides that disclosures must be made before consummation; (2) [redacted](f)(1)(ii) and (f)(2)(ii) require the CD to be provided [redacted] business days before consummation; and (3) [redacted](f)(2) and (ii) provide that the CD must be provided before or at consummation. One exception to this would be if the PCCD was issued only due to a change in interim interest (based on a change in disbursement date), such changes would not result in any exception for the PCCD. The cure for the TOP exception includes a Letter of Explanation, Copy of Refund check for full under-disclosed amount, Proof of Delivery, and Corrected CD. Tolerance was exceeded.<br>Seller Comment (2022-08-29): Disagree - The initial LE disclosed [Redaction] each for the appraisal and 2nd appraisal fees which is the baseline tolerance for the fee, PCCD [Redaction] was to correct the Appraisal fee which was already POC at closing therefore no COC or cure required and a copy was provided to the closing agent to give the borrower same day. Uploaded Appraisal invoice for the 2nd appraisal fee, invoice [Redaction] |  | 09/07/2022 |  | 2 C B |  | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 122717050 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Late Charge | Alabama Late Charge Percent and Amount Testing | Alabama Late Charge: Note late charge amount of $[Redaction] exceeds the state maximum of $[Redaction]. |  |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | Yes |
| 122495068 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | [Redaction] |  |  |  |  | Reviewer Comment (2022-08-22): Restated.<br>Buyer Comment (2022-08-22): Please reinstate to NQM | 08/22/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Non QM | No |
| 122495068 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-17): Sufficient Cure Provided At Closing |  | 08/17/2022 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Non QM | Yes |
| 122495068 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redaction]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Point and fees are more than allowable Maximum. |  |  |  | Reviewer Comment (2022-08-22): Restated. | 08/22/2022 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Non QM | Yes |
| 122495068 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated. |  |  |  | Reviewer Comment (2022-08-22): Accepted as is. |  |  |  | 2 A B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Non QM | No |
| 122266759 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redaction] exceeds tolerance of [Redaction]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-17): Sufficient Cure Provided At Closing |  | 08/17/2022 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122518923 |  |  |  |  |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Rents are [Redaction] from rent schedule and [Redaction] from lease. Total $[Redaction]/PITI $[Redaction] = [Redaction] DSCR |  |  |  | Reviewer Comment (2022-09-01): Received updated [Redaction]<br>Seller Comment (2022-09-01): Uploaded corrected report<br>Reviewer Comment (2022-08-31): Same market rent was received as originally received. Exception remains.<br>Seller Comment (2022-08-31): Please note that typo was corrected and the opinion of market rent total was $[Redaction]. The original appraisal did not match and showed that the opinion of value was $[Redaction] but the total was typed wrong and showed [Redaction]. This has since been corrected. Unit one is bigger then unit 2 and therefore should warrant more money. Also Unit 2 per the appraiser is the best representing the fair market rent and that is [Redaction] for a smaller unit. Note that operating income statements have not been required since [Redaction] by the [redacted]. The fair market rent and the rent for unit 1 are [Redaction] | 09/01/2022 |  |  | 1 C A |  | OR | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 122797460 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redaction] business days of application or determination of first lien status. |  |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | OH | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 122797460 |  |  |  |  |  |  | Credit | Guideline | Guideline Issue | Guideline | The borrower is self-employed. Guidelines require either a tax professional letter or regulatory agency verifying at least 2 years of self-employment along with either a phone listing and/or business address using directory assistance or internet search to be in file. |  | Not self-employed [Redaction] years. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-08-19): Pre-close exception in the file. |  |  | 08/19/2022 | 2 B |  | OH | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 122137579 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redaction] on a first lien purchase transaction did not disclose any Seller paid fees/charges on [Redaction] (Points and Fees testing limited to Borrower paid fees.) | TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows [Redaction] in seller paid closing costs, borrower's final CD shows [Redaction]. Provide a post-close CD correcting the seller-paid fees and a copy of the letter of explanation to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-09-02): [Redaction] received Seller CD.<br>Buyer Comment (2022-08-31): Response: Seller paid fees are not required to be disclosed on the Borrower CD - the Final Borrower CD will show borrower paid fees on Page 2, not Seller paid fees. The Seller CD is in the file and executed the day of closing. Please clear the exception. There is no further action required. | 09/02/2022 |  |  | 1 C A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122137579 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard was signed by Borrower on [Redaction] |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122137579 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $675,000 x 20% replacement is insufficient to cover the mortgage amount of $1,574,825 with an estimated cost new of $1,145,750. Please provide a letter from the Insurer stating the maximum insurable amount. |  |  |  | Reviewer Comment (2022-08-30): Received, Clearing.<br>Seller Comment (2022-08-30): Uploaded evidence of guaranteed or full replacement cost from the insurance company, State Farm. This is a [redacted] property and they do not supply RCE or Checklist. | 08/30/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122137579 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redaction] exceeds tolerance of [Redaction] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-23): Sufficient Cure Provided At Closing |  | 08/23/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122137579 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-23): Sufficient Cure Provided At Closing |  | 08/23/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122137579 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-23): Sufficient Cure Provided At Closing |  | 08/23/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122359882 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The appraisal was delivered on [Redaction] as evidenced by the appraisal notice in the file. |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | B A | Non QM | Non QM | No |
| 122731214 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redaction] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [Redaction]. (Points and Fees testing limited to Borrower paid fees.) | Verified no seller paid fees disclosed on Final Closing Disclosure |  |  |  | Reviewer Comment (2022-08-31): [redacted] received Seller CD<br>Seller Comment (2022-08-29): Uploaded seller paid CD | 08/31/2022 |  |  | 1 C A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 122672486 |  |  |  |  |  |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Effective date on appraisal is different from the desk review, desk review effective date [Redaction] and appraisal effective date is [Redaction] |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): CDA references CDA effective date of [redacted] and appraisal effective date of [redacted], which is consistent with the original appraisal report (uploaded for comparison). A revision to the original report was required due to two comps using photos of one property. | 08/03/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122672486 |  |  |  |  |  |  | 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 ___. | reserves months discrepancy.<br> Calculated PITIA months reserves of [Redaction] is less than Guideline s reserves of [Redaction] | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Exception granted | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-07-20): Exception granted per lender |  |  | 07/20/2022 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122284090 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): Approval uploaded to Clarity for [redacted] review. | 08/03/2022 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 122284090 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of $[Redaction]. Insufficient or no cure was provided to the borrower. | Fee Amount of [Redaction] exceeds tolerance of [Redaction] with no cure. |  |  |  | Reviewer Comment (2022-08-08): [Redaction] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Seller Comment (2022-08-05): PCCD with Cure<br>Reviewer Comment (2022-07-27): [redacted] received CD & COC dated [redacted], it does not give sufficient information on why the Second Appraisal Fee was added. In order to determine if the COC is valid more information is necessary on reason fee added as 1004 is "As is" and when lender became aware of the change. A valid COC or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2022-07-26): CHange of circumstance for appraisal re-inspection<br>Seller Comment (2022-07-26): See Change of Circumstance for the re-inspection fee attached |  | 08/08/2022 |  | 2 C B |  | NJ | Primary | Refinance - Rate/Term | 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 |
| 122240326 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redaction] exceeds tolerance of $[Redaction]. plus 10% or $[Redaction]. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $[Redaction] No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redaction] a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-11): [Redaction] received PCCD dated [Redaction], LOE & True & Certified Final Settlement Statement.<br>Seller Comment (2022-08-10): FSS and PCCD<br>Seller Comment (2022-08-10): see FSS reflecting the naming convention and PCCD<br>Reviewer Comment (2022-08-04): [redacted] agreed that the below comment for the fee name and section was not properly updated on CD at the time of closing. However, we don't have a supporting document in file to validate the fee has been completed as per Final SS on PCCD dated [redacted]. Please provide a Attestation letter along with Certified copy of the Final SS to reevaluate this exception or Cure is required to borrower.<br>Seller Comment (2022-08-03): Please understand that the fee was not properly updated at the time of consummation both in the name and section on the CD.. <br> The Service PROVIDED per the FSS was "processing" NOT Document Preparation. <br> as there is no tolerance since the borrower shopped, and since both are PPFC. <br> Please accept the updated PCCD which corrected the issue to clear the finding. Thank you<br>Reviewer Comment (2022-08-02): [redacted] received corrected PCCD with LOE however tolerance violation was due to Title Document Preparation Fee of $[redacted] in Section B. In the PCCD received Title Document Preparation Fee has been removed and Title Processing Fee has been added in Section c. Title Document Preparation Fee and Title Processing Fee cannot be considered same. Please provide corrected PCCD changing the fee name to Title Document Preparation Fee with LOE or provide LOE if both the fee are same stating in LOE or provide Certified Final Settlement Statement to verify if the fee was charged as Title Processing Fee and Title Document Preparation Fee was not charged at closing.<br>Seller Comment (2022-08-01): e delivery form<br>Seller Comment (2022-08-01): PCCD and e-delivery<br>Seller Comment (2022-08-01): The $[redacted] fee for Title- Processing Fee inadvertently remained in section B when this is a Section C fee as it is borrower select. Updated PCCD reflecting fee in proper section sent to borrower see attached - no cure required | 08/11/2022 |  |  | 1 C A |  | AZ | 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 |
| 122975134 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Please provide the Tax Certificate for the subject property. |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): See pages [Redaction] of original submission package. | 08/03/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 122815162 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA letter is missing from the loan file |  |  |  | Reviewer Comment (2022-08-03): documentation in file. exception cleared<br>Seller Comment (2022-08-03): The CPA letter was included in the original submission package [Redaction] | 08/03/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122787775 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA not provided. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | GA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122598500 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of [Redaction] on Final Closing Disclosure provided on [Redaction] not accurate. | Loan is identified as a Higher-Priced Mortgage Loan. |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122894195 |  |  |  |  |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122894195 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Property missing Tax verification and Insurance verification. |  |  |  | Reviewer Comment (2022-08-03): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): [Redaction] (DW): Payment of [Redaction] considered in qualifying includes impounds for escrow/insurance. See pages [Redaction] and [Redaction] of the original submission package. | 08/03/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122894195 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redaction] exceeds tolerance of $[Redaction]. Insufficient or no cure was provided to the borrower. | Loan Discount Points. Fee Amount of $[Redaction] exceeds tolerance of $[Redaction] with no valid Change of Circumstance provided. |  |  |  | Reviewer Comment (2022-08-03): [Redaction] received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2022-08-02): PCCD with cure<br>Seller Comment (2022-08-02): see updated PCCD with cure checks and fed ex label |  | 08/03/2022 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 122509438 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redaction] exceeds tolerance of $[Redaction]. Sufficient or excess cure was provided to the borrower. | Appraisal Desk Review Fee amount of [Redaction]exceeds tolerance of [Redaction]. Lender Credit was provided on the Post Close Closing Disclosure in the amount of $[Redaction] |  |  |  | Reviewer Comment (2022-07-20): Sufficient Cure Provided within [Redaction] of Closing |  | 07/20/2022 |  | 1 A |  | CA | Primary | Purchase | B A | Non QM | Non QM | Yes |
| 122509438 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [Redaction] on Final Closing Disclosure provided on [Redaction] not accurate. | Unable to confirm special assessments detailed by lender |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122977910 |  |  |  |  |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | ALTA policy does not cover the loan amount. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 122844219 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Unable to determine if appraisal was provided with in the required timing. |  |  |  |  |  |  |  | 2 B |  | NY | Investment | Purchase | B A | N/A | N/A | No |
| 122015916 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-02): Sufficient Cure Provided At Closing |  | 08/02/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122310278 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-07-21): Sufficient Cure Provided At Closing |  | 07/21/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122447175 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redaction] exceeds tolerance of $[Redaction]. Sufficient or excess cure was provided to the borrower at Closing. | Lender credit in the amount of [Redaction] was provided to the borrower for cure. |  |  |  | Reviewer Comment (2022-07-27): Sufficient Cure Provided At Closing |  | 07/27/2022 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122000830 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 122000830 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 122895517 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal provided on [Redaction] to borrower is after note date. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| 122814098 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redaction] of [Redaction]on Final Closing Disclosure provided on [Redaction] not accurate. | so you can set the exception with comments, based on the documents provided, the Hazard Annual Cost is [Redaction] RE Taxes re [Redaction], and HOA are [Redaction], for a total annual property cost of [Redaction] |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122814098 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock not provided |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122902386 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | IL | Primary | Purchase | B A | Non QM | Non QM | No |
| 122836762 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-08-02): Sufficient Cure Provided At Closing |  | 08/02/2022 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122836762 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year [Redaction] of [Redaction] on Final Closing Disclosure provided on [Redaction] not accurate. | Hazard Annual Cost is [Redaction], RE Taxes re [Redaction], and HOA are [Redaction]for a total annual property cost of [Redaction] |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122101668 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | A change of circumstance provided in loan file due to borrower selection of title company. Services that borrower shop for. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | IN | Primary | Purchase | B A | Non QM | Non QM | No |
| 122101668 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Desk review fee was not disclosed on the LE, however cure was provided at closing |  |  |  | Reviewer Comment (2022-08-02): Sufficient Cure Provided At Closing |  | 08/02/2022 |  | 1 A |  | IN | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122347013 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redaction] business days of application or determination of first lien status. | Right to Receive Appraisal Disclosure was not provided to the borrower within 3 business days of application. |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Purchase | C B A | N/A | N/A | No |
| 122347013 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Statement |  |  |  | Reviewer Comment (2022-08-04): Documentation provided. Exception cleared<br>Seller Comment (2022-08-03): Mortgage statement for property located at [Redaction] included in original submission package [Redaction]. There is not mortgage statement available for the property located at [Redaction] Street as it is the subject property. It was not disclosed on the REO. | 08/04/2022 |  |  | 1 C A |  | FL | Investment | Purchase | C B A | N/A | N/A | No |
| 122418702 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] did not disclose Amount of Non-Escrowed Property Costs over Year 1. | Loan does not have non-escrowed amount on Closing Disclosure. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | HI | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122418702 |  |  |  |  |  |  | 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 three [Redaction] business days of application. Initial Loan Estimate dated [Redaction] 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. | The borrower did not sign the e sign consent until [Redaction] while the LE was received [Redaction] |  |  |  | Reviewer Comment (2022-08-09): [Redaction] upon further review received proof of delivery hence no further action required.<br>Seller Comment (2022-08-08): Proof of mail - proof of delivery within [Redaction] of loan app | 08/09/2022 |  |  | 1 C A |  | HI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122467980 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | guidelines indicated that a FACTA disclosure must be provided |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| 122368424 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [Redaction] exceeds tolerance of [Redaction]. Sufficient or excess cure was provided to the borrower at Closing. | Lender credit in the amount of [Redaction] provided to borrower for cure. |  |  |  | Reviewer Comment (2022-08-09): Sufficient Cure Provided At Closing |  | 08/09/2022 |  | 1 A |  | WI | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122368424 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [Redaction]. Sufficient or excess cure was provided to the borrower at Closing. | Lender credit in the amount of [Redaction] provided to borrower for cure. |  |  |  | Reviewer Comment (2022-08-09): Sufficient Cure Provided At Closing |  | 08/09/2022 |  | 1 A |  | WI | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122368424 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [Redaction](c)(5). | Informational only, no response required |  |  |  |  |  |  |  | 2 B |  | WI | Second Home | Purchase | B A | Non QM | Non QM | No |
| 122073575 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [Redaction] of [Redaction] on Final Closing Disclosure provided on [Redaction] not accurate. |  |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122073575 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure dated [Redaction]w as provided on a Saturday. Borrower received same within the [Redaction] business day threshold. |  |  |  | Reviewer Comment (2022-09-09): [Redaction] received e-consent for CD dated [Redaction]<br>Seller Comment (2022-09-08): Comment from [Redaction] [redacted]: Review: [Redaction] ICD was issued and received by borrower on the same day. See attached ICD with Fulfillment Cert dated [Redaction] | 09/09/2022 |  |  | 1 C A |  | CO | Primary | Purchase | No Defined Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 122073575 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [Redaction] exceeds tolerance of [Redaction]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax fee increased from $[Redaction] to $[Redaction] without a valid change of circumstance. A Credit for $[Redaction] was reflected on the final Closing Disclosure. |  |  |  | Reviewer Comment (2022-08-30): Sufficient Cure Provided At Closing |  | 08/30/2022 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122452144 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year [Redaction] of [Redaction]on Final Closing Disclosure provided on [Redaction] not accurate. |  |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122452144 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of [Redaction] exceeds tolerance of [Redaction]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[Redaction]exceeds tolerance of [Redaction]. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-09-08): [Redaction] received valid COC hence no further action required<br>Seller Comment (2022-09-07): Comment from [Redaction][redacted]: Disagree - Origination Compensation Fee flipped from [redacted] to [redacted] due to loan eligibility requirements, which was documented on the COC attached to [Redaction] CD. This resulted in Discount Points being removed and addition of Lender Credit [Redaction] There is no tolerance violation or cure due on this loan. | 09/08/2022 |  |  | 1 C A |  | FL | 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 |
| 122225021 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Second Appraisal Fee was last disclosed as [redacted] on the Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-31): Sufficient Cure Provided At Closing |  | 08/31/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122225021 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Appraisal Re-inspection Fee was last disclosed as [redacted] on the Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-31): Sufficient Cure Provided At Closing |  | 08/31/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122248862 |  |  |  |  |  |  | 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 is [Redaction] for first time home buyers | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-08-31): Pre-fund exception in the file. |  |  | 08/31/2022 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122248862 |  |  |  |  |  |  | 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 value is [Redaction]for first time home buyers | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-08-31): Pre-fund exception in the file. |  |  | 08/31/2022 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122248862 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [Redaction] exceeds tolerance of [Redaction]. Insufficient or no cure was provided to the borrower. | Borrower was not provided with a COC. |  |  |  | Reviewer Comment (2022-09-13): [Redaction] upon further review received proof of rounding off no further action required.<br>Reviewer Comment (2022-09-13): [Redaction] agree that the fee was rounded down however we require proof of rounding down on LE. Please provide supporting document to verify the figure was rounded down to [Redaction] and the actual figure was [Redaction]<br>Seller Comment (2022-09-12): Comment from [redacted] ([redacted]): Disagree - cents will never be disclosed on a Loan Estimate - the fee will either be rounded up or down to the nearest dollar.The the Initial LE, Final LE & Final CD fee disclosed. It shows $[redacted], which rounded down to $[redacted]. The cure in the amount of -$[redacted] issued is correct and no additional tolerance cure is due.<br>Reviewer Comment (2022-09-12): [redacted] Transfer taxes increased from $[redacted].[redacted] on LE dated [redacted] to $[redacted] on Executed Final CD dated [redacted]with no valid COC. The tolerance cure was issued in the amount of -$[redacted] on the Executed Final CD however the actual cure required is for #[redacted]. we will require an additional cure for $[redacted]or if the fees were rounded off on LE, we will need the evidence confirming the rounding off of the fee.<br>Seller Comment (2022-09-09): Comment from [redacted] ([redacted]): Disagree - The transfer taxes increased from [Redaction] on Initial CD dated [Redaction] to [Redaction] on Executed Final CD dated [Redaction] with no valid COC. The tolerance cure was issued in the amount of [Redaction]on the Executed Final CD - it is showing in Section J - Lender Credits (Includes[Redaction] credit for increase in Closing Costs above legal limit). Executed Final CD was in file on pg [Redaction]. There is no tolerance violation or cure due - it was issued at closing. | 09/13/2022 |  |  | 1 C A |  | FL | 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 |
| 122248862 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2022-09-13): Sufficient Cure Provided At Closing |  | 09/13/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122974440 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 122231569 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | [redacted] Subprime Loan: Counseling Disclosure not provided to borrower. | [Redaction] Subprime Counseling Disclosure missing in file. |  |  |  | Reviewer Comment (2022-09-06): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 122231569 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted] of the Banking Law. | [Redaction] Subprime Disclosure missing in file. |  |  |  | Reviewer Comment (2022-09-06): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122231569 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on [redacted], subprime loan. | [Redaction] Subprime Tax Disclosure missing in file. |  |  |  | Reviewer Comment (2022-09-06): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 122231569 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of [Redaction] or Final Disclosure APR of [Redaction] is in excess of allowable threshold of Prime Mortgage Market Rate [Redaction] + [Redaction] or [Redaction]. Non-Compliant SubPrime Loan. | Verified APR on subject loan of [Redaction] or Final Disclosure APR of [Redaction] is in excess of allowable threshold of Prime Mortgage Market Rate [Redaction] + [Redaction], or [Redaction]. Non-Compliant Subprime Loan. |  |  |  | Reviewer Comment (2022-09-06): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122795839 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | PCCD in file partially cures this exception. Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form to complete cure. |  |  |  | Reviewer Comment (2022-09-30): Received : Letter of Explanation, Proof of Delivery, Corrected CD, and RTC<br>Seller Comment (2022-09-27): Comment from [Redaction] ([redacted]): Review: Agree - see attached corrected PCCD, LOX, and Re-open Rescission Statement. |  | 09/30/2022 |  | 2 C B |  | PA | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 122795839 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redaction] exceeds tolerance of [Redaction]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-09-07): Sufficient Cure Provided At Closing |  | 09/07/2022 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 122795839 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether property taxes are included in escrow. | PCCD in file partially cures this exception. Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form to complete cure. |  |  |  | Reviewer Comment (2022-09-30): Received: Letter of Explanation, Proof of Delivery, Corrected CD, RTC<br>Seller Comment (2022-09-27): Comment from [Redaction] ([redacted]): Review: Agree - see attached corrected PCCD, LOX, and Re-open Rescission Statement. |  | 09/30/2022 |  | 2 C B |  | PA | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 122450884 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redaction] or Final Disclosure APR of [Redaction] is in excess of allowable threshold of APOR [Redaction] + [Redaction] or [Redaction]. Non-Compliant Higher Priced Mortgage Loan. | Final Disclosure APR of [Redaction] is in excess of allowable threshold of APOR [Redaction] + [Redaction]or [Redaction] |  |  |  | Reviewer Comment (2022-09-09): Received, Clearing. | 09/09/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 122450884 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two [Redaction] written appraisals. | Creditor did not obtain two [Redaction] written appraisals |  |  |  | Reviewer Comment (2022-09-09): Received, Clearing.<br>Seller Comment (2022-09-09): Comment from [Redaction] ([redacted]): Disagree - uploaded Certificate of Title confirms the sale was executed and filed on [Redaction]- date of acquisition of the property was [Redaction] which is [Redaction] from the sale. The document corroborates the timing for additional appraisal is not required under [redacted]. | 09/09/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 122288626 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redaction] business days of application or determination of first lien status. | Right to receive a copy of Appraisal was provided to the Borrower on [Redaction] |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 122644087 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. |  |  |  |  |  | Reviewer Comment (2022-09-16): Received, cleared<br>Seller Comment (2022-09-16): Comment from [Redaction] ([redacted]): Uploaded VVOE from the Department of Defense has the borrowers name corrected as [Redaction], along with a processor cert in regards to the date.<br>Reviewer Comment (2022-09-14): Military VVOE dated [Redaction] cannot be used to clear exception as it is dated post closing. Exception remains<br>Seller Comment (2022-09-14): Comment from [Redaction] ([redacted]): Attached VVOE from the Department of Defense has the borrowers name corrected as [Redaction]<br>Reviewer Comment (2022-09-09): Dept of Defense certificate in file and received in trailing documents is not in the name of our subject borrower<br>Seller Comment (2022-09-09): Comment from [Redaction] [redacted]: Uploaded VVOE within [Redaction] [Redaction] of the note that was fully executed on [Redaction]found on [Redaction] | 09/16/2022 |  |  | 1 C A |  | AL | Investment | Purchase | C B A | N/A | Non QM | No |
| 122644087 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The file is missing a copy of the third party verification |  |  |  | Reviewer Comment (2022-09-16): Received VVOE<br>Seller Comment (2022-09-16): Comment from [redacted] ([redacted]): Uploaded VVOE from the Department of Defense has the borrowers name corrected as [redacted], along with a processor cert in regards to the date.<br>Reviewer Comment (2022-09-14): Military VVOE dated [Redaction] cannot be used to clear exception as it is dated post closing. Exception remains<br>Seller Comment (2022-09-14): Comment from [Redaction] ([redacted]): Attached VVOE from the Department of Defense has the borrowers name corrected as [Redaction] | 09/16/2022 |  |  | 1 B A C |  | AL | Investment | Purchase | Lender to provide updated ATR/QM status C B | N/A | Non QM | Yes |
| 122644087 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current [redacted] status using reasonably reliable third-party records. | Missing verification of employment for[redacted] wages |  |  |  | Reviewer Comment (2022-09-16): Received VVOE<br>Seller Comment (2022-09-16): Comment from [Redaction] ([redacted]): Uploaded VVOE from the Department of Defense has the borrowers name corrected as [Redaction], along with a processor cert in regards to the date.<br>Reviewer Comment (2022-09-14): Military VVOE dated [Redaction] cannot be used to clear exception as it is dated post closing. Exception remains<br>Seller Comment (2022-09-14): Comment from [Redaction] ([redacted]): Attached VVOE from the Department of Defense has the borrowers name corrected as [Redaction] | 09/16/2022 |  |  | 1 C A |  | AL | Investment | Purchase | C B A | N/A | Non QM | No |
| 122644087 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The file is missing a copy of the third party verification |  |  |  | Reviewer Comment (2022-09-16): Received VVOE | 09/16/2022 |  |  | 1 A |  | AL | Investment | Purchase | C B A | N/A | Non QM | No |
| 122644087 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Per guidelines, full documentation requirements, tax transcripts must be obtained | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-09-08): Prefunding credit exception - waived with compensating factors |  |  | 09/08/2022 | 2 B |  | AL | Investment | Purchase | C B A | N/A | Non QM | No |
| 122955278 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard insurance will expire before [Redaction] per guideline requirements. |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 122955278 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 122603250 |  |  |  |  |  |  | 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 three [Redaction]business days of application. Initial Loan Estimate dated [Redaction] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Missing the LE signed within [Redaction] of application |  |  |  | Reviewer Comment (2022-09-22): " [redacted] received System snapshot for Disclosure History documentation with Seller detailed comment that states, the initial disclosure package was sent via regular mail (Manual Fulfillment)."<br>Seller Comment (2022-09-21): Comment from [redacted]([redacted]): Uploaded updated manual fulfillment<br>Reviewer Comment (2022-09-20): [redacted] received copy of disclosure Audit summery for fulfilment however, the received copy is not legible kindly provide clear and readable copy to reevaluate the exception.<br>Seller Comment (2022-09-19): Comment from [redacted] ([redacted]): Disagree - [redacted] Initial Disclosure Package was manually fulfilled on[redacted], which was within 3 business days of application and borrower signed on [redacted]. NOTE: Unless requested otherwise, initial disclosure packages are issued electronically, which requires an applicant to first authorize consent to receive electronic disclosures, prior to accessing the application & disclosure package. This 2 step process is compliant with the provisions of the E-Sign Act. To further ensure timing compliance, Arc Home utilizes the [redacted] manual fulfillment process. Manual fulfillment automatically mails out a hard copy disclosure package when the applicant has not picked up the electronic message, uploaded Initial LE and snippet of the manual fulfillment. | 09/22/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122603250 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redaction] exceeds tolerance of [Redaction]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-09-09): Sufficient Cure Provided At Closing |  | 09/09/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122603250 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower's business has been in operation for less than [Redaction] years | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-09-09): Prefunding credit exception, waived with compensating factors |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122603250 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Agriculturally Zoned properties are ineligible property types per guidelines | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-10-11): Prefunding credit exception, waived with compensating factors |  |  | 10/11/2022 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122108022 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal receipt of [redacted] however the appraisal signature date is [redacted]. Provide evidence all copies of appraisal was received by Borrower |  |  |  | Reviewer Comment (2022-12-29): Received, Clearing.<br>Seller Comment (2022-12-29): Comment from XXXX (XXXX): Original Appraisal | 12/29/2022 |  |  | 1 B A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122108022 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [Redaction] exceeds tolerance of [Redaction]. Insufficient or no cure was provided to the borrower. | No COC or Cure was provided to Borrower for tolerance overages |  |  |  | Reviewer Comment (2022-09-13): [redacted] Received PCCD, LOE, Refund Check and proof of Mailing.<br>Seller Comment (2022-09-12): Comment from [redacted] ([redacted]): Review: Cure in the amount of $[redacted] has been issued and shipped to the borrower . See attached PCCD, LOE, Refund Check, shipping label, and delivery. | 09/13/2022 |  |  | 1 C A |  | GA | 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 |
| 122108022 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [Redaction] exceeds tolerance of [Redaction]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2022-09-13): Sufficient Cure Provided within [redacted] Days of Closing |  | 09/13/2022 |  | 1 A |  | GA | Primary | Purchase | C A | Non QM | Non QM | Yes |
| 122252178 |  |  |  |  |  |  | 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 three (3) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2022-09-22): [redacted] received initial LE with wet signed by borrower on[redacted], which is within the required time frame.<br>Seller Comment (2022-09-21): Comment from [redacted]l ([redacted]): Uploaded wet-signed initial disclosure from [redacted] and COC LE dated [redacted] which is within three days | 09/22/2022 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 122558805 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Copy Fee. Fee Amount of $[Redaction] exceeds tolerance of [Redaction]. Insufficient or no cure was provided to the borrower. | No cure or COC provided |  |  |  | Reviewer Comment (2022-09-27): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Seller Comment (2022-09-26): Comment from [redacted] ([redacted]): Disagree - Appraisal fees were added out of compliance. The fees were added to the initial CD on [redacted], however the appraisal report is dated [redacted] and the appraisal invoice shows the borrower paid POC on [redacted]. Uploaded PCCD, LOX refund check and shipping label. |  | 09/27/2022 |  | 2 C B |  | IN | 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 |
| 122558805 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redaction] exceeds tolerance of [Redaction]. Insufficient or no cure was provided to the borrower. | Appraisal fee was not disclosed on LE & added got added on [Redaction] CD for $[Redaction] without a valid COC inf file. A valid COC or cure is required. Cure documents consist of PCCD, LOE, copy for refund check & proof of mailing. |  |  |  | Reviewer Comment (2022-09-27): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |  | 09/27/2022 |  | 2 B |  | IN | 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 |
| 122411066 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of [Redaction] is less than amount of binding Lender Credit previously disclosed in the amount of [Redaction] | Final Lender Credit of [Redaction]is less than amount of binding Lender Credit previously disclosed in the amount of [Redaction] |  |  |  | Reviewer Comment (2022-09-28): [redacted] received additional information to support the pricing change and lender credit decrease.<br>Reviewer Comment (2022-09-28): Updating status<br>Reviewer Comment (2022-09-20): Upon further review lender credit correctly disclosed to consumer.<br>Seller Comment (2022-09-16): Comment from [redacted] ([redacted]): Disagree - : [redacted] COC LE was issued for pricing changed due to primary borrower's credit score decreased from [redacted]; thus pricing adjustment was made to reflect by removed Lender Credit of [redacted] and added Discount Points of [redacted] uploaded COC LE and DM cert | 09/28/2022 |  |  | 1 C A |  | FL | 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 |
| 122411066 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | Borrower was unable to document source of funds used to pay rental from 11/21-01/22. 12 month VOR on file however, this does not meet guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-09-14): Prefunding credit exception - waived with compensating factors |  |  | 09/14/2022 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122411066 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal notice to borrower is dated [Redaction], however report signature date is [Redaction] |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122592510 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal Transfer letter missing in file . |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 122182338 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing |  |  |  | Reviewer Comment (2022-09-14): Sufficient Cure Provided At Closing |  | 09/14/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122182338 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing |  |  |  | Reviewer Comment (2022-09-14): Sufficient Cure Provided At Closing |  | 09/14/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122799274 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Incomplete Document: Note - Subject Lien is incomplete |  | Unsigned note. |  |  |  | Reviewer Comment (2022-09-22): Received, Clearing.<br>Seller Comment (2022-09-22): Comment from [redacted] ([redacted]): Executed Note and Mortgage found in our file but not in vision [redacted]. | 09/22/2022 |  |  | 1 D A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 122799274 |  |  |  |  |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The Security Instrument in the file was not signed by Borrowers and was not notarized, and therefore are not valid. Please provide fully executed documents. |  |  |  | Reviewer Comment (2022-09-22): Received, Clearing.<br>Seller Comment (2022-09-22): Comment from[redacted] ([redacted]): Executed Note and Mortgage found in our file but not in [redacted]. | 09/22/2022 |  |  | 1 D A |  | FL | Primary | Purchase | D A C | Non QM | Non QM | No |
| 122799274 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redaction] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [Redaction]. (Points and Fees testing limited to Borrower paid fees.) | The file does not contain a Seller's Closing Disclosure. |  |  |  | Reviewer Comment (2022-09-27): [redacted] received Seller CD<br>Seller Comment (2022-09-23): Comment from [redacted] ([redacted]): Review: Seller CD can be found in the file under Executed Final CD signed page [redacted]. See attached. | 09/27/2022 |  |  | 1 C A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 122799274 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. | Seller CD disclosed seller paid costs not disclosed on borrower CD |  |  |  | Reviewer Comment (2022-12-12): Seller CD received | 12/12/2022 |  |  | 1 A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 122148570 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.93130% or Final Disclosure APR of 7.97100% is in excess of allowable threshold of APOR [Redaction] + [Redaction], or [Redaction]. Non-Compliant Higher Priced Mortgage Loan. | Verified APR on subject loan of [Redaction]or Final Disclosure APR of [Redaction]is in excess of allowable threshold of APOR [Redaction] + [Redaction], or [Redaction]. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2022-09-22): Received, Clearing. | 09/22/2022 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122148570 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three v business days prior to consummation. | Valuation was provided on [Redaction] |  |  |  | Reviewer Comment (2022-09-22): Received, Clearing. | 09/22/2022 |  |  | 1 B A |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122148570 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redaction]business days prior to consummation. | Valuation was provided on [Redaction] |  |  |  | Reviewer Comment (2022-09-22): Received, Clearing.<br>Seller Comment (2022-09-22): Comment from [redacted] ([redacted]): Response: Agreed - Did not locate proof of delivery of appraisal to borrower three (3) days prior to closing on [redacted]. The borrower received appraisal at closing [redacted]per Executed Right to Receive Appraisal dated [redacted]. Borrower Appraisal Disclosure dated [redacted] - located in Initial Disclosure Package - [redacted] - borrow elected to receive appraisal report minimum three (3) days after receipt to review report & did not wish to waive the right to those three (3) business days. There was a corrected appraisal on [redacted] - did not locate proof of delivery to borrower prior to closing. | 09/22/2022 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122148570 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2022-09-22): Accepted as is. |  |  |  | 2 B |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122202470 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | The file is missing a copy of the Counseling Disclosure. |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 122202470 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | The file is missing a copy of the Section 6-m document. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | Yes |
| 122202470 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of 7.28300% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes |
| 122202470 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | The file is missing a copy of the notice of taxes and insurance document. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 122050785 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redaction] exceeds tolerance of $[Redaction]. Sufficient or excess cure was provided to the borrower at Closing. | Fee was disclosed as $[Redaction] on LE and $[Redaction] on Closing disclosure a cure of $[Redaction] was provided to the Borrower. |  |  |  | Reviewer Comment (2022-09-20): Sufficient Cure Provided At Closing |  | 09/20/2022 |  | 1 A |  | SC | Investment | Purchase | Final CD evidences Cure A | N/A | Non QM | Yes |
| 122637216 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of [Redaction] exceeds the state maximum of [Redaction] |  |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| 122679343 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [Redaction] on Final Closing Disclosure provided on [Redaction] not accurate. | Loan Disclosures: Amount of Estimated based on estimated property tax statement. loan is non-escrowed |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122077768 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Borrower has no asset accounts listed on [Redaction] Unable to confirm reserves |  |  |  | Reviewer Comment (2022-09-12): sufficient assets now in file<br>Seller Comment (2022-09-12): Corrected URLA | 09/12/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 122077768 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Desk Review does not support value. Desk Review Recon supports value.; Sec ID: 13 |  | Loan Securitization: Guideline requirements have been met, however, the valuation documentation does not meet securitization requirements for the rating agencies. |  |  |  | Reviewer Comment (2022-09-01): Field Review Provided. Exception cleared<br>Seller Comment (2022-09-01): Field Review uploaded to Clarity for[redacted] review. | 09/01/2022 |  |  | 1 A C B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 122077768 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 122077768 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redaction] business days prior to consummation. | no evidence borrower received secondary valuation |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 122261587 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Desk Review and lower tertiary product do not support value. Desk Review Recon supports value.; Sec ID: 14 |  | Loan Securitization: Guideline requirements have been met, however, the valuation documentation does not meet securitization requirements for the rating agencies. |  |  |  | Reviewer Comment (2022-09-01): Field Review provided. Exception cleared<br>Seller Comment (2022-09-01): Field Review uploaded to Clarity for[redacted]review. | 09/01/2022 |  |  | 1 A C |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122261587 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redaction]): Creditor did not provide a copy of each valuation to applicant three [Redaction]business days prior to consummation. | no evidence all valuations were provided. |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122261587 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 A B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122629699 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verified date of appraisal , appraisal was done during allot time frame |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122629699 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Desk Review and lower tertiary product do not support value. Desk Review Recon supports value.; Sec ID: 14 |  | Loan Securitization: Guideline requirements have been met, however, the valuation documentation does not meet securitization requirements for the rating agencies. |  |  |  | Reviewer Comment (2022-09-01): Field Review Received<br>Seller Comment (2022-09-01): Field Review uploaded to Clarity for [redacted] review. | 09/01/2022 |  |  | 1 A C |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122629699 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122795649 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Loan Designation of Safe Harbor QM (APOR) provided with approval documentation. Finance of America High Cost Analysis provided with approval documentation |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122784284 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] | The Final CD disclosed a Finance Charge of[redacted]. The calculated Finance Charge is[redacted] for a a variance of[redacted]. |  |  |  | Reviewer Comment (2022-09-07): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2022-09-02): NORTC<br>Seller Comment (2022-09-02): see executed rescission<br>Reviewer Comment (2022-08-23): [redacted] received Corrected CD copy again, LOE to borrower, copy of cure refund and proof of mailing. Still missing proof of reopening of rescission on this rescindable transaction that was a Material Disclosure violation. provide proof rescission reopened for all borrowers.<br>Seller Comment (2022-08-19): PCCD with cure<br>Reviewer Comment (2022-08-17): [redacted] received Corrected CD,m LOE to borrower and proof of mailing. Missing proof of the [redacted] refund cure check to borrower and proof of reopening of rescission as this is material disclosure violation on a rescindable transaction.<br>Seller Comment (2022-08-15): PCCD with cure<br>Seller Comment (2022-08-15): Please see attached PCCD with cure<br>Reviewer Comment (2022-08-05): [redacted] received rebuttal regarding Title-Processing fee not being a finance charge. However, the fee in question of [redacted] is listed on the Final CD and Corrected CD as Title-Check Processing Fee. If lender feels this fee is not a finance charge, please provide an Attestation from the Title/Settlement Company or Lender giving full details on the purpose of this fee in ordeer to determine if a finance charge. Based on fee name, it is viewed as a processing fee which would not be a typical fee in a cash transaction.<br>Seller Comment (2022-08-03): Disputing this finding as a Title - Processing Fee of $[redacted] was included in the PPFC in your calculation but no Title-Processing Fee was charged per the FSS and Post closing CD please clear finding |  | 09/07/2022 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 122410327 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | REO document is required but missing. |  |  |  | Reviewer Comment (2022-08-03): documentation provided. exception cleared<br>Seller Comment (2022-08-03): REO documentation uploaded for [redacted] review | 08/03/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 122410327 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Desk Review and lower tertiary product do not support value. Desk Review Recon supports value.; Sec ID: 14 |  | Loan Securitization: Guideline requirements have been met, however, the valuation documentation does not meet securitization requirements for the rating agencies. |  |  |  | Reviewer Comment (2022-09-01): Documentation provided. Exception cleared<br>Seller Comment (2022-09-01): Field Review uploaded to Clarity for [redacted] review. | 09/01/2022 |  |  | 1 A C |  | NJ | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 122410327 |  |  |  |  |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A B |  | NJ | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 122470312 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | A title search for property was a new contraction, [Redaction] indicated " The property was custom built for borrower". However Title search indicated a flip. A CDA required. A valid change of circumstance was provided |  |  |  | Reviewer Comment (2022-09-02): Sufficient Cure Provided At Closing |  | 09/02/2022 |  | 1 A |  | KY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122470312 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | A title search for property was a new contraction, 1004 indicated " The property was custom built for borrower". However Title search indicated a flip. A new appraisal required. A valid change of circumstance was provided |  |  |  | Reviewer Comment (2022-09-02): Sufficient Cure Provided At Closing |  | 09/02/2022 |  | 1 A |  | KY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122091816 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Verification borrower is minimum [redacted] or controlling owner of the business is missing from the file |  |  |  | Reviewer Comment (2022-09-23): Received, Clearing.<br>Seller Comment (2022-09-23): Comment from [redacted] ([redacted]): Borrower owns [redacted]% of the company, the operating agreement shows a total of [redacted]shares and the borrower owns all [redacted]K per the certificate found on page [redacted] in [redacted]. | 09/23/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122073032 |  |  |  |  |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | NV | Primary | Purchase | B A | Non QM | Non QM | No |
| 122511261 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided credit of [redacted] for cure. |  |  |  | Reviewer Comment (2022-08-10): Sufficient Cure Provided At Closing |  | 08/10/2022 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122077279 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure for various 0% tolerance violations in the amount of [redacted] for Appraisal Desk Review, exceeds tolerance of [redacted] and a valid change of circumstance was not provided. Provide a post-close CD disclosing the tolerance cure of [redacted], copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-09): Sufficient Cure Provided At Closing |  | 08/09/2022 |  | 1 A |  | IA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122077279 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure for various 0% tolerance violations in the amount of [redacted] for Appraisal Fee, exceeds tolerance of [redacted] and a valid change of circumstance was not provided. Provide a post-close CD disclosing the tolerance cure of [redacted], copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-09): Sufficient Cure Provided At Closing |  | 08/09/2022 |  | 1 A |  | IA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122077279 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure for various 0% tolerance violations in the amount of [redacted] exceeds tolerance of [redacted] and a valid change of circumstance was not provided. Provide a post-close CD disclosing the tolerance cure of [redacted], copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-08-09): Sufficient Cure Provided At Closing |  | 08/09/2022 |  | 1 A |  | IA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122964392 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender credit of [redacted] provided for cure. |  |  |  | Reviewer Comment (2022-08-02): Sufficient Cure Provided At Closing |  | 08/02/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122964392 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | CPA letter confirming use of funds is missing from the loan file |  |  |  | Reviewer Comment (2022-09-09): verification of borrower having [redacted]% ownership of business account funds received, [redacted]<br>Seller Comment (2022-09-09): See documentation uploaded | 09/09/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122966980 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2022-09-07): Documentation in file Exception cleared<br>Seller Comment (2022-09-06): [redacted] loan for property located at [redacted] is in process and has not yet closed. The 1008 for this transaction, supporting a qualifying PITIA of [redacted]/m included in original submission package ([redacted]). | 09/07/2022 |  |  | 1 C A |  | NY | Second Home | Purchase | C A | Non QM | Non QM | No |
| 122966980 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | 1008 for the subject property is missing from the loan file |  |  |  | Reviewer Comment (2022-09-07): Documentation provided. Exception cleared<br>Seller Comment (2022-09-06): 1008 | 09/07/2022 |  |  | 1 C A |  | NY | Second Home | Purchase | C A | Non QM | Non QM | No |
| 122754146 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Updated appraisal report dated [redacted] was not provided to the borrower. |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122754146 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | 1003 shows HOA expense of [redacted], no documentation provided. |  |  |  | Reviewer Comment (2022-09-07): Documentation in file. Exception cleared<br>Seller Comment (2022-09-06): The [redacted]/m referenced on the REO schedule for the departure residence [redacted] is the Hazard Insurance premium, not HOA dues. Declarations page included in original submission package (page [redacted]). Taxes are impounded as reflected on the mortgage statement (page [redacted]). | 09/07/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122162787 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Purchase | B A | N/A | N/A | No |
| 122296044 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | CPA letter confirming use of funds and business ownership is missing from the loan file |  |  |  | Reviewer Comment (2022-09-09): verification of borrower having [redacted]% ownership of business account funds received<br>Seller Comment (2022-09-09): See upload | 09/09/2022 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Home Improvement | C A | Non QM | Non QM | No |
| 122390354 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina 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. | SC - Complaint Agency Disclosure is missing. |  |  |  | Reviewer Comment (2022-09-07): Documentation provided. Exception cleared<br>Seller Comment (2022-09-06): SC Borrower Complaints Disclosure | 09/07/2022 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Non QM | Non QM | No |
| 122390354 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender credit in the amount of [redacted] provided to borrower for cure. |  |  |  | Reviewer Comment (2022-08-10): Sufficient Cure Provided At Closing |  | 08/10/2022 |  | 1 A |  | SC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122179491 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA letter confirming business use of funds and ownership percentage of business not provided |  |  |  | Reviewer Comment (2022-09-07): Documentation in file. Exception cleared<br>Seller Comment (2022-09-06): Business assets used for income calculation only. Not used for funds to close or reserves. CPA letter not required. | 09/07/2022 |  |  | 1 C A |  | MI | Primary | Purchase | C A | Non QM | Non QM | No |
| 122139176 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Borrowers verification of identity is missing from the loan file |  |  |  | Reviewer Comment (2022-09-07): Documentation provided. Exception cleared<br>Seller Comment (2022-09-06): patriot Act Disclosure<br>Seller Comment (2022-09-06): per our procedures we require the notary to sign the attached Patriot Act form verifying the documents for identification<br>Identification Documentation - All applicants must provide two current forms of identification at loan signing and the notary/signer will complete the [redacted] certifying the borrowers' identity was verified. | 09/07/2022 |  |  | 1 C A |  | NV | Investment | Purchase | C A | N/A | N/A | No |
| 122808818 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | North Carolina Rate Spread Threshold Test Compliant | North Carolina Rate Spread Home Loan: APR on subject loan of [redacted] or Final Disclosure APR of 7.31600% is in excess of allowable threshold of APOR 5.78% + 1.5%, or 7.28000%. Compliant Rate Spread Home Loan. | Per Two Flex Guidelines points is with in allowable threshold of APOR 5.78% + 1.5%, or above 7.28000%. Loan failed points and fees testing. |  |  |  |  |  |  |  | 2 B A |  | NC | Primary | Purchase | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. <br>(Narrow Defense - Requires CHD Approval)<br> Within 120 days of discovery , which compliance failure was not intentional and resulted from a bona fide error, creditor must: (1) provide Lender Attestation to AMC attesting the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made (specific details on how rate spread home loan was made despite procredures to prevent); (2) notify the borrower, and make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. B | Non QM | Non QM | No |
| 122953139 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard Disclosure was provided on [redacted] |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 122013064 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The annualized non-escrowed property costs, per the approval are [redacted] per month, [redacted] per annum. However, the Final CD discloses them as [redacted] |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122497719 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was disclosed on LE as [redacted] and on CD as [redacted] a cure of [redacted] was provided to the Borrower. |  |  |  | Reviewer Comment (2022-09-28): Sufficient Cure Provided At Closing |  | 09/28/2022 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122555011 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted] (an overage of [redacted] or [redacted]). |  |  |  |  | Reviewer Comment (2022-10-07): Received, Clearing. | 10/07/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Higher Priced QM (APOR) | Non QM | No |
| 122555011 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2022-10-07): Accepted as is. |  |  |  | 2 B |  | NJ | Primary | Purchase | C B A | Higher Priced QM (APOR) | Non QM | Yes |
| 122555011 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2022-10-07): Received, Clearing.<br>Buyer Comment (2022-10-07): Comment from[redacted] ([redacted]): Please reinstate to NQM | 10/07/2022 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Non QM | Yes |
| 122555011 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated. |  |  |  | Reviewer Comment (2022-10-07): Accepted as is. |  |  |  | 2 A B |  | NJ | Primary | Purchase | C B A | Higher Priced QM (APOR) | Non QM | No |
| 122972882 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  |  |  | Reviewer Comment (2022-10-03): Received, Clearing.<br>Seller Comment (2022-10-03): Comment from [redacted] ([redacted]): Uploaded evidence of docs provided at closing | 10/03/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A | Non QM | Non QM | Yes |
| 122780790 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2022-10-03): Received, Clearing.<br>Seller Comment (2022-10-03): Comment from [redacted] ([redacted]): Uploaded flood report | 10/03/2022 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 122780790 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-09-29): Sufficient Cure Provided At Closing |  | 09/29/2022 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122780790 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-09-29): Sufficient Cure Provided At Closing |  | 09/29/2022 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122366745 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-10-05): Received, Clearing.<br>Seller Comment (2022-10-05): Comment from [redacted] ([redacted]): Agree- Rate Stack is attached and the loan passes QM Points & Fees with the benefit of excluding 1 bona fide discount point. In reference to the prepayment penalty addendum, this was found on pages [redacted] of the upload package however it is for a different property belonging to the borrower. The executed Note for this transaction is located on pages [redacted] with no prepayment penalty per [redacted]. | 10/05/2022 |  |  | 1 B A C |  | NJ | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122366745 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees total [redacted]0 on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted] (an overage of [redacted] or [redacted]). | The file has a prepayment penalty addendum to the note. |  |  |  | Reviewer Comment (2022-10-05): Received, Clearing.<br>Buyer Comment (2022-10-05): Comment from [redacted] [redacted]: Agree- In reference to the prepayment penalty addendum, this was found on pages [redacted] of the upload package however it is for a different property belonging to the borrower. The executed Note for this transaction is located on pages [redacted] with no prepayment penalty per Section 4. | 10/05/2022 |  |  | 1 C A |  | NJ | Second Home | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 122171030 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122171030 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [redacted] HB1399 - No evidence of counseling agencies list per Maryland HB 1399. |  |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122171030 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | Lender attestation indicating that (1) the borrower did not qualify for any non-higher-priced loans or (2) the lender does not offer non-higher-priced loans. C B A | Non QM | Non QM | No |
| 122171030 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 7.01600% or Final Disclosure APR of 7.03400% is in excess of allowable threshold of APOR 5.37% + 1.5%, or 6.87000%. Non-Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122171030 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Variance in finance charges is [redacted] PCCD corrects variance in finance charge. Missing refund check, proof of delivery and letter of explanation to borrower to cure. |  |  |  | Reviewer Comment (2022-10-31): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2022-10-31): Comment from [redacted] ([redacted]): Uploaded UPS proof of delivery<br>Reviewer Comment (2022-10-27): [redacted] received Corrected CD, LOE to borrower, proof of mailing, copy of cure refund for $[redacted] and executed RTC's from both borrowers. The UPS tracking of the [redacted] refund only reflect the label created and not yet picked up by carrier. To cure, provide proof the UPS Tracking #[redacted] with label created [redacted] has been picked up by carrier.<br>Seller Comment (2022-10-25): Comment from [redacted] [redacted]: Uploaded letter of explanation to borrower, along with copy of check int the amount of [redacted]for tolerance cure, UPS Proof of shipping and PCCD, Notice of Right to Cancel Executed by borrower and e-mail from borrower confirming he is not rescinding the loan. |  | 10/31/2022 |  | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 122365880 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC | Reviewer Comment (2022-10-20): Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Seller Comment (2022-10-20): Comment from [redacted] [redacted]: Please see Disaster Inspection for [redacted], [redacted], FL [redacted]<br>Reviewer Comment (2022-10-10): This exception is to protect the buyer of the loan and will remain without a Post Disaster Inspection or an exception from [redacted].<br>Buyer Comment (2022-10-10): Comment from [redacted] [redacted]: Disagree - The Loan funded on [redacted] and the Declaration date is [redacted] therefore should be cancelled due to funding before declaration |  |  | 10/20/2022 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 122270383 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,851.75 exceeds tolerance of $2,516.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-11-03): Sufficient cure at closing<br>Reviewer Comment (2022-11-03): correct status<br>Reviewer Comment (2022-10-06): Sufficient Cure Provided At Closing | 11/03/2022 |  |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122476760 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Assignee Disclosure | Rhode Island High-Cost Loan: Mandatory purchaser/assignee disclosure not contained on document that creates debt or pledges property as collateral. | High-Cost Home Loan Disclosure not provided to borrower. |  |  |  | Reviewer Comment (2022-11-18): Offset for third party fees per invoice was provided bringing P&F under threshold. | 11/18/2022 |  |  | 1 C A |  | RI | Primary | Purchase | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. A | Non QM | Non QM | No |
| 122476760 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan Protection Act Counseling Received | Rhode Island High-Cost Loan: No evidence of certification from a HUD-approved third party counselor that borrower has received counseling on the advisability of the loan transaction. | No evidence of certification from a HUD-approved third party counselor that borrower has received counseling on the advisability of the loan transaction. |  |  |  | Reviewer Comment (2022-11-18): Offset for third party fees per invoice was provided bringing P&F under threshold. | 11/18/2022 |  |  | 1 C A |  | RI | Primary | Purchase | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. A | Non QM | Non QM | No |
| 122476760 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan Protection Act Disclosure Timing | Rhode Island High-Cost Loan: Borrower was not provided with the Consumer Caution and Home Ownership Counseling Notice and Certification in sufficient time to receive face-to-face counseling on advisability of transaction. | Borrower was not provided with the Consumer Caution and Home Ownership Counseling Notice and Certification in sufficient time to receive face-to-face counseling on advisability of transaction. |  |  |  | Reviewer Comment (2022-11-18): Offset for third party fees per invoice was provided bringing P&F under threshold. | 11/18/2022 |  |  | 1 C A |  | RI | Primary | Purchase | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. A | Non QM | Non QM | No |
| 122476760 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Late Charge | (State High Cost Provision) Rhode Island Late Charge | Rhode Island High-Cost Loan: Loan contains an impermissible late charge. | Loan contains an impermissible late charge. |  |  |  | Reviewer Comment (2022-11-18): Offset for third party fees per invoice was provided bringing P&F under threshold. | 11/18/2022 |  |  | 1 C A |  | RI | Primary | Purchase | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. A | Non QM | Non QM | No |
| 122476760 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Rhode Island High-Cost Loan (Points and Fees) | Rhode Island Home Loan Protection Act: Points and Fees on subject loan of 5.04371% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $12,609.28 on a Total Loan Amount of $250,000.00 vs. an allowable total of $12,500.00 (an overage of $109.28 or .04371%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of 6.43305% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. |  |  |  | Reviewer Comment (2022-11-18): Offset for third party fees per invoice was provided bringing P&F under threshold.<br>Reviewer Comment (2022-11-14): Requested via email the title insurance invoice so the fee can be offset.<br>Buyer Comment (2022-11-11): Comment from XXXX (XXXX): After reviewing the loan and manually recalculating the RI High Cost test, I am showing a passing result. The Doc Magic compliance report also shows a passing result as well. <br>RI limits total points and fees to 5% of the Total Loan Amount, which is the Note amount for this analysis. Following the requirements of the regulation, I am only coming up with $9362.50 for total points and fees, which is more than $3k under the 5% threshold. It looks like the credit report and title insurance premiums were included but are excluded under the Act | 11/18/2022 |  |  | 1 C A |  | RI | Primary | Purchase | Within 30 days of loan closing and prior to the institution of any action under the Act, creditor must notify the borrower, make appropriate restitution and whatever adjustments are necessary at the choice of the borrower to (a) make the high cost loan satisfy the requirements; or (b) change the terms of the loan in a manner beneficial to the borrower so that the loan will no longer be considered high cost.<br>(Narrow Defense - CHD Approval Required) Within 60 days of discovery, which compliance failure was not intentional and resulted from a bona fide error notwithstanding the maintanence of procedures reasonably adapted to avoid such errors, the creditor provides: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made (specific details on how high-cost loan was made despite procredures to prevent); and (2) at the choice of the borrower to: (a) make the loan satisfy the requirements; or (b) make changes the terms of the loan in a manner beneficial to the borrower so that the loan will no longer be considered high cost; and (3) proof of delivery. | Non QM | Non QM | Yes |
| 122476760 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Rhode Island High-Cost Loan (High Cost Disclosure Not Provided Timely) | Rhode Island High-Cost Loan: Borrower did not receive High-cost Home Loan Disclosure in sufficient time to receive face-to-face counseling on advisability of transaction. | Borrower did not receive High-cost Home Loan Disclosure in sufficient time to receive face-to-face counseling on advisability of transaction. |  |  |  | Reviewer Comment (2022-11-18): Offset for third party fees per invoice was provided bringing P&F under threshold. | 11/18/2022 |  |  | 1 C A |  | RI | Primary | Purchase | See any available cure under the Rhode Island High-Cost Home Loan threshold exception. A | Non QM | Non QM | No |
| 122410711 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the insurance verification. |  |  |  | Reviewer Comment (2022-10-18): Received, Clearing.<br>Seller Comment (2022-10-18): Comment from XXXX (XXXX): LOE for XXXX, The property is owned free and clear and the borrwers do not have hazard insurance. | 10/18/2022 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
| 122410711 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the tax and insurance verification. |  |  |  | Reviewer Comment (2022-10-18): Received, Clearing.<br>Seller Comment (2022-10-18): Comment from XXXX (XXXX): Mortgage Statement for PITI for XXXX, The property is owned free and clear and the borrowers do not have hazard insurance. | 10/18/2022 |  |  | 1 C A |  | AZ | Investment | Purchase | C A |  | N/A | No |
| 122157338 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 640.00 on Final Closing Disclosure provided on 09/21/2022 not accurate. | The total non escrow cost over one year is $640, the lender calculated $500.04. |  |  |  | Reviewer Comment (2023-01-06): Accepted as is |  |  |  | 2 B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122157338 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $495.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Missing the COC for rate lock extension dated 9/21/2022 |  |  |  | Reviewer Comment (2022-10-20): SitusAMC Received COC dated 09/21/2022 with a valid reason for change.<br>Seller Comment (2022-10-19): Comment from XXXX (XXXX): Please see attached lock extension COC form which was missing from the original upload. | 10/20/2022 |  |  | 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 |
| 122741292 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Missing evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion |  |  |  | Reviewer Comment (2022-10-17): Received, Clearing. | 10/17/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122741292 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Missing evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion |  |  |  | Reviewer Comment (2022-10-17): Received, Clearing. | 10/17/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122741292 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Missing evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion |  |  |  | Reviewer Comment (2022-10-17): Received, Clearing.<br>Seller Comment (2022-10-17): Comment from XXXX (XXXX): Uploaded rate stack evidencing the undiscounted rate of 7.125, which permits the exclusion of one (1) bona fide discount. The test passes with $6000 discount excluded along with final CD and DM report | 10/17/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122741292 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.29466% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $29,299.00 on a Federal Total Loan Amount of $553,369.37 vs. an allowable total of $27,668.46 (an overage of $1,630.54 or .29466%). Non-Compliant High Cost Loan. | Missing evidence of undiscounted/par rate and associated price in order to determine if discount points are bona fide and eligible for exclusion |  |  |  | Reviewer Comment (2022-10-17): Received, Clearing.<br>Seller Comment (2022-10-17): Comment from XXXX (XXXX): Uploaded rate stack evidencing the undiscounted rate of 7.125, which permits the exclusion of one (1) bona fide discount. The test passes with $6000 discount excluded along with final CD and DM report | 10/17/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C | Non QM | Non QM | Yes |
| 122741292 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | The file is missing a copy of the Pre-Loan Counseling disclosure. |  |  |  | Reviewer Comment (2022-10-17): Received, Clearing. | 10/17/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122645924 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The Right To Receive Appraisal Disclosure was signed [redacted] and Application date [redacted]. The within three (3) business days verified |  |  |  |  |  |  |  | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 122948922 |  |  |  |  |  |  | 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 note date. |  |  |  | Reviewer Comment (2022-09-01): updated hazard policy received<br>Seller Comment (2022-09-01): Hazard with [redacted] effective date | 09/01/2022 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| 122546244 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Please provide a CPA letter, or other thrid-party verification, that the borrower is an [redacted] owner of their business. |  |  |  | Reviewer Comment (2022-09-12): documents filed with CA SOS received, including the Art of Org, and business information from the CA SOS<br>Seller Comment (2022-09-12): Borrower is 100% owner. Employment documentation uploaded to Clarity for [redacted] review. | 09/12/2022 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 122038654 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2022-12-12): Accepted as is per client |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 122038654 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122038654 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122038654 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | cure provided at closing |  |  |  | Reviewer Comment (2022-08-31): Sufficient Cure Provided At Closing |  | 08/31/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| 122995892 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted]not accurate. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122659784 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | No Non-Escrowed Property Costs over Year 1is correct. no HOA dues, property not a PUD |  |  |  |  |  |  |  | 2 B |  | HI | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122659784 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Confirmed that Final CD was signed and dated [redacted]. Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing |  |  |  | Reviewer Comment (2022-09-02): [redacted] received Initial CD dated [redacted] signed by the Borrower & Co-Borrower.<br>Seller Comment (2022-09-01): Initial CD & E-sign log | 09/02/2022 |  |  | 1 C A |  | HI | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 122722978 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of[redacted]. Insufficient or no cure was provided to the borrower. | There was no cure provided to the borrower for this fee. |  |  |  | Reviewer Comment (2022-09-13): [redacted] received PCCD & LOE no further action required.<br>Seller Comment (2022-09-12): PCCD<br>Seller Comment (2022-09-12): The Survey fee was disclosed on the Consummation fee but placed on the wrong line item this has been corrected on the PCCD and being that this is part of the Section C fee - no tolerance for the fee item being titled wrong (missing title -) | 09/13/2022 |  |  | 1 C A |  | NJ | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| 122022577 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Tax returns in file are not the most recent |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122022577 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | cure provided at closing |  |  |  | Reviewer Comment (2022-09-01): Sufficient Cure Provided At Closing |  | 09/01/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| 122629257 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | Appraisal completed prior to disaster declaration. Will need a post disaster property inspection report showing no damage to the subject property. |  |  |  | Reviewer Comment (2022-12-08): Received, Clearing. | 12/08/2022 |  |  | 1 A |  | FL | Primary | Purchase | A | Non QM | Non QM | No |
| 122256989 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[redacted]disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "[redacted]" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. | Homeowners insurance is included in escrow in incorrect section, section should have been placed in section G on Final Closing Disclosure provided on [redacted] |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | Good Faith Redisclosure C B A | Non QM | Non QM | No |
| 122256989 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | 442 Certificate of Completion provided, unable to up load, located in loan file |  |  |  | Reviewer Comment (2022-09-02): Documentation provided. Exception cleared<br>Seller Comment (2022-09-02): 1004D | 09/02/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122958650 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | verified application date [redacted], "Right to Receive a Copy" dated [redacted]. disclosure was not provided with in 3 business days |  |  |  |  |  |  |  | 2 B |  | AZ | Investment | Purchase | B A | N/A | N/A | No |
| 122872322 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of 7.68100% is in excess of allowable threshold of APOR 5.61% + 1.5%, or 7.11000%. Non-Compliant Higher Priced Mortgage Loan. | The property is a flipped property, and is considered a HPML. The borrower was charged incorrectly for the second appraisal |  |  |  | Reviewer Comment (2022-09-21): Documentation provided. Exception cleared | 09/21/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 122872322 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. | The property is a flipped property, and is considered a HPML. The borrower was charged incorrectly for the second appraisal |  |  |  | Reviewer Comment (2022-09-21): Documentation provided. Exception cleared<br>Seller Comment (2022-09-21): PCCD with Cure | 09/21/2022 |  |  | 1 C A |  | CA | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) A | Non QM | Non QM | No |
| 122492585 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]did not disclose Amount of Non-Escrowed Property Costs over Year [redacted]. | The non-escrowed property costs, HOA [redacted]/month, [redacted] per annum, were not disclosed on the Final CD. |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122492585 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The loan is non-QM and HPML non-compliant. |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 122687938 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | 1003 signed and dated [redacted], Right to receive copy of Appraisal dated [redacted]. The "Right to Receive a Copy" appraisal disclosure to applicant was not within three (3) business days of application |  |  |  |  |  |  |  | 2 B |  | PA | Investment | Purchase | B A | Safe Harbor QM (APOR) | N/A | No |
| 122687938 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Both appraisal and CDA performed on [redacted], Appraisal/Valuation sent electronic [redacted]. date of signature is[redacted], after borrower received appraisal |  |  |  |  |  |  |  | 2 B |  | PA | Investment | Purchase | B A | Safe Harbor QM (APOR) | N/A | No |
| 122441820 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure. Recalculation for HOA dues indicated Non-Escrowed Property Costs over Year 1 should be [redacted] |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122379371 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Insufficient or no cure was provided to the borrower. | [redacted] tolerance exceeded by[redacted]. Please provide a copy of the PCCD, copy of the check, proof of mailing. |  |  |  | Reviewer Comment (2022-09-13): [redacted] received corrected PCCD and as per available final settlement statement consumer is within [redacted] tolerance.<br>Seller Comment (2022-09-12): FSS and PCCD<br>Seller Comment (2022-09-12): FSS reflects actual recording fees as lower than originally disclosed - updated fees on PCCD reflect all fees within tolerance - no cure | 09/13/2022 |  |  | 1 C A |  | CA | 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 | No |
| 122590246 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2022-09-12): current perm res alien card received<br>Seller Comment (2022-09-12): [redacted] card uploaded to Clarity for [redacted] review. | 09/12/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122590246 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 122590246 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted] of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | No |
| 122590246 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of 7.05000% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | No |
| 122590246 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on [redacted], subprime loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 122002097 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2022-09-12): perm res alien card received<br>Seller Comment (2022-09-12): [redacted] card uploaded to Clarity for [redacted] review. | 09/12/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122002097 |  |  |  |  |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Borrower did not provide a [redacted] or [redacted]. |  |  |  | Reviewer Comment (2022-09-12): perm res alien card received<br>Seller Comment (2022-09-12): [redacted] card uploaded to Clarity for [redacted] review. | 09/12/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122002097 |  |  |  |  |  |  | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | [redacted] exceeded [redacted] per most recent [redacted] months. Corporate Exception is missing from the loan file | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | lender granted guideline exception, with comp factors | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-09-12): lender granted guideline exception, with comp factors<br>Seller Comment (2022-09-12): Approved exception uploaded to Clarity for [redacted] review. |  |  | 09/12/2022 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122818674 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Effective appraisal dated [redacted] and CDA dated [redacted], application date [redacted]. Creditor did not provide a copy of revised valuation to applicant three (3) business days |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 122186632 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The appraisal was delivered prior to completion. Please provide evidence the appraisal was delivered, after the completion date, and prior to 3 days before closing. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| 122680646 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | Lender attestation indicating that (1) the borrower did not qualify for any non-higher-priced loans or (2) the lender does not offer non-higher-priced loans. B A | Non QM | Non QM | No |
| 122680646 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 7.86800% or Final Disclosure APR of 7.90300% is equal to or greater than the threshold of APOR 5.86% + 1.5%, or 7.36000%. Non-Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2023-01-10): EXCEPTION HISTORY - Exception Detail was updated on 01/10/2023 PRIOR Exception Detail: Maryland Higher-Priced Mortgage Loan: APR on subject loan of 7.86800% or Final Disclosure APR of 7.90300% is in excess of allowable threshold of APOR 5.86% + 1.5%, or 7.36000%. Non-Compliant Higher Priced Loan. |  |  |  | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 122588159 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence appraisal was provided to the borrower is dated 9/30/2022. 3 business days that date is 10/5/22, which is past the date of consummation. |  |  |  | Reviewer Comment (2022-11-28): Evidence of appraisal receipt received | 11/28/2022 |  |  | 1 B A |  | AR | Primary | Purchase | C A | Non QM | Non QM | No |
| 122588159 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.29410% or Final Disclosure APR of 7.42700% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Higher Priced Mortgage Loan. | Evidence appraisal was provided to the borrower is dated 9/30/2022. 3 business days that date is 10/5/22, which is past the date of consummation. |  |  |  | Reviewer Comment (2022-11-28): Evidence of appraisal receipt received | 11/28/2022 |  |  | 1 C A |  | AR | Primary | Purchase | C A | Non QM | Non QM | No |
| 122588159 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence appraisal was provided to the borrower is dated 9/30/2022. 3 business days that date is 10/5/22, which is past the date of consummation. |  |  |  | Reviewer Comment (2022-11-28): Evidence of appraisal receipt received<br>Seller Comment (2022-11-23): Comment from XXXX (XXXX): See attached LOE from borrower - physical copy of the appraisal was delivered to the borrower<br>Reviewer Comment (2022-10-20): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Exception remains.<br>Seller Comment (2022-10-20): Comment from XXXX (XXXX): Uploaded Appraisal Acknowledgment & Executed Notice of Right to Receive Appraisal - proof of delivery of appraisal to borrower 9/30/22, which is only one (1) business day prior to closing. The effective date of appraisal was 8/12/22, date of report 8/16/22. Borrower Appraisal Disclosure dated 8/10/22 and - borrower elected to receive appraisal report minimum three (3) days after receipt to review report & did not wish to waive the right to those three (3) business days. There is no evidence in the file that the Appraisal was provided to borrower three (3) business days prior to consummation - the proof of delivery is one (1) day prior to consummation. | 11/28/2022 |  |  | 1 C A |  | AR | Primary | Purchase | C A | Non QM | Non QM | No |
| 122588159 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Missing signed page of the final 1003.. |  |  |  | Reviewer Comment (2022-10-17): Received, Clearing.<br>Seller Comment (2022-10-17): Comment from XXXX (XXXX): Final 1003 Signed has been attached. | 10/17/2022 |  |  | 1 C A |  | AR | Primary | Purchase | C A | Non QM | Non QM | No |
| 122816084 |  |  |  |  |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | missing statement for [redacted] not located in loan file, only [redacted]e statement provided |  |  |  | Reviewer Comment (2022-09-20): Documentation in file. Exception cleared<br>Seller Comment (2022-09-20): XXXXX [redacted] [redacted] statement in original submission package [redacted]. | 09/20/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 122816084 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Per Two Flex Expanded guidelines Tax Verification is required on non es-crowed taxes |  |  |  | Reviewer Comment (2022-09-20): Documentation in file. Exception cleared<br>Seller Comment (2022-09-20): Tax cert for [redacted] located in original submission package [redacted].<br>Seller Comment (2022-09-20): Tax amount in original submission package (starting on [redacted], listed at top of [redacted]). | 09/20/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 122816084 |  |  |  |  |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Verified Reserves, Available reserves are less than Guideline Available for Reserves |  |  |  | Reviewer Comment (2022-09-20): Documentation in file. Exception cleared<br>Seller Comment (2022-09-20): [redacted] reserves required totaling [redacted]. Total verified assets total [redacted] minus funds to close of [redacted] leaves [redacted] for reserves [redacted] of reserves). | 09/20/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 122816084 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified Reserves, Available reserves are less than Guideline Available for Reserves |  |  |  | Reviewer Comment (2022-09-20): Documentation in file. Exception cleared<br>Seller Comment (2022-09-20): [redacted] reserves required totaling [redacted]. Total verified assets total [redacted] minus funds to close of [redacted] leaves [redacted] for reserves [redacted] of reserves). | 09/20/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 122085202 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122276100 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of the CPA letter. |  |  |  | Reviewer Comment (2022-09-15): Document provided. Exception cleared<br>Seller Comment (2022-09-15): CPA letter uploaded for [redacted] review. | 09/15/2022 |  |  | 1 C A |  | NY | Investment | Purchase | C B A | N/A | N/A | No |
| 122276100 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B |  | NY | Investment | Purchase | C B A | N/A | N/A | No |
| 122050272 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The lender disclosed annual non-escrowed property costs for 1 year at [redacted]; however the annualized property costs, per the approval, are [redacted]. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 122050272 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The notice of the date the appraisal was provided to the borrower was prior to the appraisal completion date. Please provided evidence the borrower received the appraisal after the completion date and at least 3 days prior to closing. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| 122150998 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing copy of statement for [redacted], [redacted], AZ: |  |  |  | Reviewer Comment (2022-09-15): Documentation provided. exception cleared<br>Seller Comment (2022-09-15): Please refer to the First Payment Letter(s) found on pages [redacted] and [redacted] of the original submission package. [redacted] of each letter references the property address. | 09/15/2022 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122150998 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122966407 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| 122966407 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| 122233820 |  |  |  |  |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Transaction Error: Outstanding liens were not paid at closing. |  | Mortgage statement shows an outstanding lien of [redacted] confirmed by the credit report. The CD shows no payoff's to be made |  |  |  | Reviewer Comment (2022-09-15): exception cleared<br>Seller Comment (2022-09-15): Mortgage statement referenced by [redacted] [redacted] is for the property located at [redacted]. The subject property, [redacted], is owned free and clear. Please refer to the Prelim [redacted] and the title supplement [redacted] included in the original submission package. | 09/15/2022 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | N/A | No |
| 122785793 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The Borrower signed Appraisal Waiver on the [redacted] |  |  |  | Reviewer Comment (2022-10-28): Accepted as is. |  |  |  | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 122785793 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | Appraisal completed prior to disaster declaration. Will need a post disaster property inspection report showing no damage to the subject property. |  |  |  | Reviewer Comment (2022-12-14): Received, Clearing.<br>Reviewer Comment (2022-12-14): .<br>Reviewer Comment (2022-12-14): Opening to clear.<br>Reviewer Comment (2022-10-11): Post disaster inspection report, dated shows no damage [redacted], but the disaster does not have an end date yet.<br>Seller Comment (2022-10-11): 1004D | 12/14/2022 |  |  | 1 A |  | FL | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 122599065 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Evidence of borrower receipt, after appraisal completion, was not found in file. |  |  |  |  |  |  |  | 2 B |  | RI | Investment | Purchase | C B A | N/A | N/A | No |
| 122599065 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | This property is a simo, purchase transaction (FACO #110710000510). Per approval, and guidelines, please provide the fully executed Final CD, Note, Mortgage, and First Payment letter to also evidence taxes and insurance are escrowed. If the taxes and insurance are not escrowed, please provide verfication and documentation supporting amounts for the PITIA payment. |  |  |  | Reviewer Comment (2022-09-26): Documentation provided. Exception cleared<br>Seller Comment (2022-09-26): Final CD, Note, Mortgage and First Payment letter showing tax/insurance included in escrows. | 09/26/2022 |  |  | 1 C A |  | RI | Investment | Purchase | C B A | N/A | N/A | No |
| 122599065 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | A Lender Exception is required, and was approved but not provided, for landlord experience [redacted] months in order to use rental income(that was needed to meet DTI requirements) on the departure/conversion of primary residence to investment home in conjunction with the [redacted] simo primary purchase transaction. Please providce a copy of the Approved Lender Exception. |  |  |  | Reviewer Comment (2022-09-26): Documentation provided. Exception cleared<br>Seller Comment (2022-09-26): Exception approval. | 09/26/2022 |  |  | 1 C A |  | RI | Investment | Purchase | C B A | N/A | N/A | No |
| 122794857 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Subject property required a CDA due to increase in property value, a valid change of circumstance was provided |  |  |  | Reviewer Comment (2022-09-19): Sufficient Cure Provided At Closing |  | 09/19/2022 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | No |
| 122794857 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure for various [redacted] tolerance violations in the amount of [redacted] exceeds tolerance of [redacted] for Appraisal Fee and the difference in the amount of [redacted]was not provided. Provide a post-close CD disclosing the tolerance cure of[redacted],a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-09-19): Sufficient Cure Provided At Closing |  | 09/19/2022 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | No |
| 122794857 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Per Two Flex Expanded guidelines Tax Verification is required on non es-crowed taxes |  |  |  | Reviewer Comment (2022-09-22): documentation provided. exception cleared<br>Seller Comment (2022-09-22): Final settlement statement for this property is in the original file [redacted], under Prorations it lists the tax amounts. | 09/22/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122391876 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
| 122078715 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| 122164679 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | Appraisal completed prior to disaster declaration. Will need a post disaster property inspection report showing no damage to the subject property. |  |  |  | Reviewer Comment (2022-12-14): Received, Clearing.<br>Reviewer Comment (2022-12-14): .<br>Reviewer Comment (2022-12-14): Opening to clear.<br>Reviewer Comment (2022-10-11): Post disaster inspection report, dated shows no damage [redacted], but the disaster does not have an end date yet.<br>Seller Comment (2022-10-11): 1004D | 12/14/2022 |  |  | 1 A |  | FL | Primary | Purchase | A | Non QM | Non QM | No |
| 122444784 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender credit in the amount of [redacted] provided for cure. |  |  |  | Reviewer Comment (2022-09-19): Sufficient Cure Provided At Closing |  | 09/19/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122444784 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender credit in the amount of [redacted] provided for cure. |  |  |  | Reviewer Comment (2022-09-19): Sufficient Cure Provided At Closing |  | 09/19/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 122657155 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 122657155 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | No |
| 122657155 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] Loan: Borrower not provided with Notice of Taxes and Insurance on [redacted], subprime loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 122657155 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Loan: APR on subject loan of [redacted] or Final Disclosure APR of 7.20300% is in excess of allowable threshold of Prime Mortgage Market Rate 5.30000 + 1.75%, or 7.05000%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | No |
| 122577870 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | VOR is missing. |  |  |  | Reviewer Comment (2022-09-29): Documentation provided. Exception cleared<br>Seller Comment (2022-09-29): Lease and [redacted] of rent | 09/29/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 122003164 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Illinois [redacted] is missing. |  |  |  | Reviewer Comment (2022-10-11): IL predatory lending cert received, [redacted]<br>Seller Comment (2022-10-11): Predatory Lending Database Notification | 10/11/2022 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122003164 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [redacted] Bank statement is missing. |  |  |  | Reviewer Comment (2022-10-06): documentation provided. Exception cleared<br>Seller Comment (2022-10-06): Business asset statements [redacted] uploaded to Clarity. | 10/06/2022 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 122980728 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for [redacted] Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Change of Circumstance Dated [redacted]covers the[redacted] however, it is not valid due to the fact there is not a Closing Disclosure dated within 3 days for it. |  |  |  | Reviewer Comment (2022-10-11): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2022-10-11): PCDD with CD.<br>Reviewer Comment (2022-10-11): [redacted] received Changed Circumstance dated [redacted] & CD dated [redacted], but it does not give sufficient information on why the Mortgage broker fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason why compensation was changed from 'Lender paid to Borrower paid' & how it was beneficial to the borrower. 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>Seller Comment (2022-10-10): COC attached dated [redacted] - Disclosed to borrower on [redacted] which shows increase in Mortgage Broker Fee from [redacted] to [redacted]flipped from [redacted] to [redacted] to Pass, Change in Loan Fico from [redacted]. CD also attached that was issued on [redacted] which reflects Mortgage Broker Fee in amount of [redacted]<br>Seller Comment (2022-10-10): COC attached dated - Disclosed to borrower on which shows increase in Mortgage Broker Fee from to flipped from [redacted] to [redacted] to Pass, Change in Loan Fico from [redacted]. CD also attached that was issued on [redacted] which reflects Mortgage Broker Fee in amount of [redacted]. |  | 10/11/2022 |  | 2 C B |  | NY | 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 |
| 122980728 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted] of the Banking Law. | Per [redacted]k Law section [redacted] Disclosure is required and not provided. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | No |
| 122980728 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of [redacted] or Final Disclosure APR of 7.29200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.22000 + 1.75%, or 6.97000%. Non-Compliant SubPrime Loan. | APR is in excess of allowable threshold per [redacted]. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | No |
| 122371508 |  |  |  |  |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2023-01-10): Accepted as is. |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 122848444 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | There is no rent loss coverage listed on the insurance policy. |  |  |  | Reviewer Comment (2022-10-26): Received, Clearing.<br>Seller Comment (2022-10-26): Comment from XXXX (XXXX): Uploaded evidence showing rent loss coverage on the property | 10/26/2022 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 122490310 |  |  |  |  |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2022-11-03): Received, clearing<br>Seller Comment (2022-11-03): Comment from XXXX (XXXX): Uploaded final title policy with correct amount | 11/03/2022 |  |  | 1 B A |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 122490310 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Lender on the appraisal doesn't match the lender on the note |  |  |  | Reviewer Comment (2022-11-14): Accepted as is. |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 122183389 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Verified earliest Closing Disclosure is dated 10/14/2022 |  |  |  | Reviewer Comment (2022-11-18): SitusAMC received 10/12 CD 3 business days prior to consummation.<br>Seller Comment (2022-11-17): Comment from XXXX (XXXX): The attached ICD was not in the file - received from the correspondent - it was issued, received and executed 10/12/2022, which is three (3) business days from closing 10/17/22. Interest rate and fees decreased from ICD 10/12/22 to Intermediate CD 10/14/22, Final CD 10/17/22 & PCCD 10/21/22. The attached Electronic Disclosure Consent & ICD dated 10/12/22 should clear the timing issue for this loan. | 11/18/2022 |  |  | 1 C A |  | NJ | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 122786322 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2023-01-06): Accepted as is |  |  |  | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| 122413594 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122413594 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122413594 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.91630% or Final Disclosure APR of 8.95800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.30000 + 1.75%, or 7.05000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122413594 |  |  |  |  |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. |  | Guidelines require at least 2 years of employment. WVOE confirms borrower has been employed for 7 months |  |  |  | Reviewer Comment (2022-12-06): Received previous employment VVOE, cleared<br>Seller Comment (2022-12-06): see VOE of previous employment for total of 2yrs employment history now, ty<br>Reviewer Comment (2022-11-15): This is in reference to the second income where borrower was only there 7 months.<br>Seller Comment (2022-11-15): vvoe uploaded to verify bor's last 2yrs employment history<br>Seller Comment (2022-11-15): borrower has 2 current jobs, one is self employed with more than 2yrs history (CPA letter and VVOE) and the 2nd one is less than 2yrs with VVOE verified. in short, lender has verified borrower's 2yrs history. | 12/06/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122413594 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122155175 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The lender on the appraisal does not match the lender on the note |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 122206173 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2022-12-05): Appraisal received, cleared | 12/05/2022 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 122206173 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2022-12-05): Appraisal received, cleared<br>Seller Comment (2022-12-05): Attached appraisal. | 12/05/2022 |  |  | 1 D A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 122206173 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2022-12-06): Received evidence of appraisal delivery dated 8/8/2022 | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 122206173 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.86420% or Final Disclosure APR of 7.92400% is in excess of allowable threshold of APOR 4.35% + 1.5%, or 5.85000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-12-06): Received evidence of appraisal delivery dated 8/8/2022 | 12/06/2022 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 122206173 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2022-12-06): Received evidence of appraisal delivery dated 8/8/2022 | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 122206173 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. |  |  |  |  | Reviewer Comment (2022-12-06): Received evidence of appraisal delivery dated 8/8/2022<br>Seller Comment (2022-12-06): Please see attached Appraisal delivery letter | 12/06/2022 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 122206173 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. |  |  |  |  | Reviewer Comment (2022-12-06): Received evidence of appraisal delivery dated 8/8/2022 | 12/06/2022 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 122206173 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure D B C A | Exempt from ATR | Exempt from ATR | No |
| 122206173 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. D B C A | Exempt from ATR | Exempt from ATR | Yes |
| 122206173 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122206173 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.86420% or Final Disclosure APR of 7.92400% is in excess of allowable threshold of Prime Mortgage Market Rate 4.26000 + 1.75%, or 6.01000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. D B A | Exempt from ATR | Exempt from ATR | Yes |
| 122206173 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,658.00 exceeds tolerance of $3,517.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-11-01): Sufficient Cure Provided At Closing |  | 11/01/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122206173 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $250,000 is sufficient to cover the mortgage amount of $222,000 however, the appraiser did not provide an estimated cost to rebuild. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-12-05): Appraisal received, cleared | 12/05/2022 |  |  | 1 C A |  | NY | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 122952194 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.03940% or Final Disclosure APR of 8.09800% is in excess of allowable threshold of APOR 5.37% + 1.5%, or 6.87000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-12-16): SitusAMC received cure for second appraisal. | 12/16/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122952194 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the RESPA Homeownership Counseling List. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122952194 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. |  |  |  |  | Reviewer Comment (2022-12-16): SitusAMC received LOE, copy of refund check, and proof of delivery.<br>Seller Comment (2022-12-12): Please see attached PCCD, LOE, Copy of check and proof of delivery. |  | 12/16/2022 |  | 2 C B |  | NY | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) B A | Exempt from ATR | Exempt from ATR | Yes |
| 122952194 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The second CDA was added after the initial LE, and sufficient cure for fee addition was not provided at closing |  |  |  | Reviewer Comment (2022-12-13): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2022-12-12): Please see attached PCCD, LOE, Copy of check and proof of delivery. |  | 12/13/2022 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122952194 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122952194 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122952194 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.03940% or Final Disclosure APR of 8.09800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.30000 + 1.75%, or 7.05000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122952194 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122189656 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122189656 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122189656 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.45820% or Final Disclosure APR of 8.49900% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122189656 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122189656 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122358306 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Evidence of earlier receipt not found in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122358306 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. No cure provided. |  |  |  | Reviewer Comment (2022-11-03): Sufficient Cure Provided At Closing |  | 11/03/2022 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122962844 |  |  |  |  |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Per guidelines dated 6/6/22, minimum FICO score is 700 for LTV of 75% |  |  |  | Reviewer Comment (2022-11-15): Received, Clearing.<br>Seller Comment (2022-11-15): see final credit report with 700 score | 11/15/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122962844 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The lender on the appraisal does not match the lender on the note |  |  |  | Reviewer Comment (2022-11-15): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122962844 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | RESPA Homeownership Counseling List was not provided |  |  |  | Reviewer Comment (2022-11-15): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122962844 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.67000% or Final Disclosure APR of 8.71200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.70000 + 1.75%, or 7.45000%. Compliant SubPrime Loan. | APR on subject loan of 8.67000% or Final Disclosure APR of 8.71200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.70000 + 1.75%, or 7.45000% |  |  |  | Reviewer Comment (2022-11-15): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122962844 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $655,000 is insufficient to cover the mortgage amount of $697,500 with an estimated cost new of $949,320. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-11-15): Received, Clearing.<br>Seller Comment (2022-11-15): see uploaded HOI with RCE now | 11/15/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122962844 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122962844 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.67000% or Final Disclosure APR of 8.71200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.70000 + 1.75%, or 7.45000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122509434 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  | Reviewer Comment (2022-12-06): Clearing after re-review. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122509434 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122509434 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122509434 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122509434 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.55440% or Final Disclosure APR of 7.59100% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122601416 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | Collateral Desktop Analysis was last disclosed as $175 on LE but disclosed as $205 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-11-02): Sufficient Cure Provided At Closing |  | 11/02/2022 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122601416 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 22.00 on Final Closing Disclosure provided on 08/16/2022 not accurate. | On the 1008 and final 1003 reflect a HOA fee of $2.00 but was not reflected on the Appraisal in file and a fee of $22 was disclosed on Non-Escrowed Property Costs over Year 1 on pg4 of the closing disclosure . Provide a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-22): SitusAMC received HOA assessment | 11/22/2022 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122601416 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/16/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 08/25/2022). | Disclosure reflects TOP of $626,030.09 but calculated TOP of $626,105.09. Variance = $75.00. |  |  |  | Reviewer Comment (2023-01-10): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission with executed RTC by borrower.<br>Seller Comment (2023-01-09): Please see attached executed RTC.<br>Reviewer Comment (2023-01-06): SitusAMC received copy of executed RTC dated 12-21-22 and cancel by date of 8-19-22. Unable to cure the reopening of rescission portion of the cure requirements. As noted the "cancel by midnight" date is 8-19-22 but borrower executed on 12-21-22 and is after the cancel by date. Must provide current reopening of rescission which can be an Executed RTC with an updated Cancel by Midnight date that is at least 3 business days after the borrower executed date, or copy of RTC not execurted and updated Cancel by Midnight date that is 3 business days after a proof of delivery of the RTC and documented by tracking verification.<br>Seller Comment (2023-01-04): Please see executed RTC.<br>Reviewer Comment (2023-01-03): SitusAMC received a Notice of Right to cancel, unexecuted and cancel by date of 8-19-22. However, the rescission must now be reopened after the cure and correctiong of the underdisclosure. The Rescission period on a loan starts when the latest of three things occurs, the execution of the notice of right to cancel, the consummation of the loan, and the receipt by the consumer of the accurate material disclosures. The material disclosures include the following: APR, Finance Charge, Amount Financed, Total of Payments and Payment stream from the final CD. A separate EV3-C exception for extended rescission right will be cited of the remediation does not include evidence the lender re opened rescission within 60 days of discovery. Provide proof of delivery and copy of RTC's to all borrowers with a cancel by date that is 3 business days after the the proof of delivery date or copy that is executed by all borrowers that is dated 3 business days prior to the cancel by date.<br>Seller Comment (2022-12-29): Please see attached notice of right to cancel.<br>Reviewer Comment (2022-12-23): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. As this is a rescindable transaction on a material violation, the reopening of rescission is also required to cure. Provide proof of reopening of rescission.<br>Seller Comment (2022-12-21): See attached PCCD, LOE, Proof of mailing, Proof of delivery<br>Reviewer Comment (2022-11-22): SitusAMC received Corrected CD issued 8-25 & Final ALTA. TOP disclosed on the final CD is inaccurate based on fees disclosed on the PCCD dated 8-25 resulting from $75 increase in borrower paid loan costs reflected in Section D. SitusAMC's testing approach as a TPR assumes that fee changes reflected on a PCCD are corrections, rather than updates of fees that would result from changes that occurred after closing. That is, a lender incorrectly disclosed fees they were aware of (or should have been aware of) on the final CD and therefore issued a PCCD reflecting the actual fees that should have been disclosed on the final CD. Accordingly, SitusAMC will calculate the TOP based on corrected fees on the PCCD and cite exceptions if the TOP disclosed on the final CD (provided at or before consummation) is inaccurate based on the updated fees shown on PCCD. The reason for testing in this manner is that (1) 1026.17(b) (and related commentary) provides that disclosures must be made before consummation; (2) 1026.19(f)(1)(ii) and (f)(2)(ii) require the CD to be provided 3 business days before consummation; and (3) 1026.19(f)(2) and (ii) provide that the CD must be provided before or at consummation. One exception to this would be if the PCCD was issued only due to a change in interim interest (based on a change in disbursement date), such changes would not result in any exception for the PCCD. The cure for the TOP exception includes a Letter of Explanation, Copy of Refund check for full under-disclosed amount, Proof of Delivery, Reopening Rescission, and Corrected CD. Tolerance was exceeded.<br>Seller Comment (2022-11-18): Please see attached PCCD and Final Settlement statement. |  | 01/10/2023 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Exempt from ATR | Exempt from ATR | Yes |
| 122601416 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: Subject is located in a project and HOA Information was not provided. |  | The loan was approved with $2/month HOA but evidence was not provided |  |  |  | Reviewer Comment (2022-11-15): Received, Clearing.<br>Seller Comment (2022-11-15): see HOA statement for annual HOA fee $24 | 11/15/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 122387720 |  |  |  |  |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2022-11-15): Received, Clearing.<br>Seller Comment (2022-11-15): see final title | 11/15/2022 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 122387720 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. Prepay language states prepay will not exceed maximum permitted by applicable law. | No prepayment penalties are permissible in the state of New Jersey. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  | Reviewer Comment (2022-11-15): Accepted as is. |  |  |  | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 122894980 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122894980 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122894980 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122894980 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | New York Subprime Loan: APR on subject loan of 6.13170% is in excess of allowable threshold of Prime Mortgage Market Rate 4.31000% + 1.75%, or 6.06000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122894980 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122894980 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122912849 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure A B | Exempt from ATR | Exempt from ATR | No |
| 122912849 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122912849 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.49710% or Final Disclosure APR of 8.53600% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. A B | Exempt from ATR | Exempt from ATR | Yes |
| 122912849 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. A B | Exempt from ATR | Exempt from ATR | Yes |
| 122612717 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The appraisal effective date 07/22/2022 is dated prior to the disaster end date. No PDI document in file | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/29/22 | SitusAMC | Reviewer Comment (2022-11-15): Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Seller Comment (2022-11-15): please find PDI (Post Disaster Inspection) report |  |  | 11/15/2022 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122612717 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Must be self-employed for at least 1 year and in the same line of business for at least 2 years. There is no evidence the borrower has been in the same line of business for at least 2 years. |  |  |  | Reviewer Comment (2022-11-17): 2 years in the same line of business verified<br>Seller Comment (2022-11-17): Please see attached page #2 of LOE, both borrower's companies are in the industry of software licensing. XXXX was start on 4/2/2014, which is evidencing the borrower has been in the same line of business over 2 years. | 11/17/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122884083 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122884083 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122884083 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122884083 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122884083 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122884083 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) | Estimated Property cost amount listed on the final CD is for 11 months ($1212.59x11=$13,338.49) |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122884083 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.47720% or Final Disclosure APR of 7.51300% is in excess of allowable threshold of Prime Mortgage Market Rate 5.30000 + 1.75%, or 7.05000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122884083 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122884083 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | Borrower was not provided with a COC |  |  |  | Reviewer Comment (2022-11-01): Sufficient Cure Provided At Closing |  | 11/01/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122884083 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  |  |  |  |  | Reviewer Comment (2022-12-02): Received, Clearing.<br>Seller Comment (2022-12-02): It's co-operative. It's not required HO6 but co-op master insurance for co-op. | 12/02/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122268271 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | CDA fee increased from $175.00 to $205.00 without a valid change of circumstance. A Cure for $30.00 was reflected on the final Closing Disclosure. |  |  |  | Reviewer Comment (2022-11-01): Sufficient Cure Provided At Closing |  | 11/01/2022 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122268271 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2022-11-18): Received evidence appraisal provided to borrower on 8/2/2022 | 11/18/2022 |  |  | 1 B A |  | OH | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122268271 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.28620% or Final Disclosure APR of 8.83400% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-11-18): Received evidence appraisal provided to borrower on 8/2/2022 | 11/18/2022 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122268271 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2022-11-18): Received evidence appraisal provided to borrower on 8/2/2022<br>Seller Comment (2022-11-18): See attached for proof of delivery Appraisal, CDA and PCI Reports | 11/18/2022 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122268271 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | OH | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122268271 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 08/18/2022 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | No seller-paid fees were disclosed on the final CD. Lender to provide a revised copy of the Seller's transactions. |  |  |  | Reviewer Comment (2022-11-22): No seller paid costs associated other than payoff and prorations.<br>Seller Comment (2022-11-18): See attached FInal CD and Seller Settlement statement. Based on the settlement statements, issued final CD shows accurate breakdown for seller fees. | 11/22/2022 |  |  | 1 C A |  | OH | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122268271 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Received evidence appraisal provided to borrower on 8/2/2022, however the appraisal on file is signed 8/4/2022. Provide evidence the borrower received all copies of the appraisal |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | OH | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122324725 |  |  |  |  |  |  | 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. | Evidence of earlier receipt of FACTA disclosure not found in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NJ | Investment | Purchase | C B A | N/A | N/A | No |
| 122324725 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. |  |  |  |  | Reviewer Comment (2023-01-09): Only applicable to NJ licensees.<br>Reviewer Comment (2022-12-07): Prepayment penalties are prohibited under all circumstances in this state. Exception remains<br>Seller Comment (2022-12-07): No Resolution | 01/09/2023 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A | N/A | N/A | No |
| 122520813 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.90860% or Final Disclosure APR of 7.93900% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-12-14): Received, Clearing. | 12/14/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122520813 |  |  |  |  |  |  | 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 (2022-12-14): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122520813 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2022-12-14): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122520813 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2022-12-14): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122520813 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.90860% or Final Disclosure APR of 7.93900% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-14): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122520813 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2022-12-14): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122520813 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $807.00 exceeds tolerance of $389.00 plus 10% or $427.90. Insufficient or no cure was provided to the borrower. | No valid change in circumstance for this fee increase |  |  |  | Reviewer Comment (2022-12-28): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Seller Comment (2022-12-28): Borrower has received the cure. Please clear this condition.<br>Reviewer Comment (2022-12-22): SitusAMC received corrected PCCD, LOE, copy of refund check, and shipping label. Tracking indicates the label has been created; however, it has not been picked up for shipping. Proof of mailing is required to cure.<br>Seller Comment (2022-12-21): Please see attached PCCD, LOE, copy of check and proof of delivery.<br>Reviewer Comment (2022-12-12): SitusAMC verified that the refund cure $11.70 was already provided on the final CD, If the cure was provided into consideration of the Recording fee increased, than the additional cure $367.40 will be sufficient to cure this exception. Please provide additional cure with consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check.<br>Seller Comment (2022-12-09): Please verify if an additional cure of $367.40 will be sufficient for the increase, taking into consideration the $11.70 cure that was already listed on the Final CD<br>Reviewer Comment (2022-12-07): SitusAMC received Changed Circumstance dated 08/18/2022 that states 'Recording fees increased due to added Assignment of Leases and Rent'. It does not give sufficient information for the increase on 8/18 CD. Also, recording fee increased further on 8/19 CD from $723 to $807. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased on 8/18 CD & 8/19 CD 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>Seller Comment (2022-12-06): Please see attached COC CD for the increase in the recording fee. Also attached is the final CD which also reflects cure for $11.70 which is sufficient for the increase from $723 to $807. |  | 12/28/2022 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122520813 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. | Two appraisals required for a flip transaction. The property was transferred on 6/16/2022. Additional information regarding transfer required |  |  |  | Reviewer Comment (2022-12-14): Received, Clearing.<br>Seller Comment (2022-12-14): Please see attached documentation to show that XXXX is the owner or both XXXX LLC & XXXX Property was owned by the same person, therefore should not be considered a flip. It just changed names at no dollar value.<br>Reviewer Comment (2022-12-09): Provide evidence the property was acquired through foreclosure, DIL or judicial/non judicial procedure or (iii) from a non-profit entity or (iv) acquired though inheritance or (v) a partition of joint or marital assets to which seller was a party or (vi) from an employer or relocation agency or (vii) a deployed service member? or (viii) a designated disaster area<br>Seller Comment (2022-12-09): File is not a Flipped Property. There was a transfer of ownership in June 2022, but there was no value amount to the transfer. | 12/14/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122520813 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $795.00. Insufficient or no cure was provided to the borrower. | Appraisal trip fee without a valid COC and no cure was provided at closing |  |  |  | Reviewer Comment (2022-11-23): SitusAMC received a valid COC for the fee increased.<br>Seller Comment (2022-11-22): Please see attached COC for Appraisal Trip Fee being added. | 11/23/2022 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122520813 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2022-12-14): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122925938 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 7.88130% or Final Disclosure APR of 7.90400% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122925938 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing appraisal invoice verifying fee was POC |  |  |  | Reviewer Comment (2022-11-21): Appraisal invoice received<br>Seller Comment (2022-11-21): Per final CD, cash to close required $158,294.51 plus 3 months PITIA $13,592.67, total required $171,887.18 funds to close.<br> We've verified assets from XXXX at $172,010.65, which is sufficient for this transaction.<br> Attached bank statement of XXXX and Appraisal Invoice confirming appraisal fee $625 was paid by credit card and before closing. | 11/21/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122925938 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122925938 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122925938 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122925938 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.88130% or Final Disclosure APR of 7.90400% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122925938 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122289835 |  |  |  |  |  |  | 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 (2023-01-09): Accepted as is |  |  |  | 2 B |  | CT | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122289835 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | CT | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122289835 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Connecticut Non-Prime Home Loan (APR Exceeds Non-Prime Threshold) | Connecticut Non-Prime Home Loan: APR on subject loan of 7.44240% or Final Disclosure APR of 7.46300% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | CT | Primary | Purchase | Within 90 days of closing, and prior to the commencement of any action against a lender, the borrower is notified of the violation and the lender makes appropriate restitution by either: <br> (a) making the nonprime home loan comply with the applicable provisions of the law; or <br> (b) changing the terms of the mortgage in a manner beneficial to the borrower so that the mortgage will no longer be considered a nonprime home loan;<br>Provide: Letter of Explanation and either: For option (a), proof of cure for each of the prohibited practice violations noted; or For option (b), a copy of refund check and proof of mailing.<br>OR<br>(Narrow Defense - CHD Approval Required) The lender is able to show by a preponderance of evidence (no timeframe noted) that the compliance failure was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid such errors. Provide: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) refund of amount over the Non-Prime Home Loan threshold maximum; and (3) proof of delivery.<br>OR <br>The lender and borrower otherwise reach a mutual agreement on an appropriate remedy or curative action. B | Exempt from ATR | Exempt from ATR | Yes |
| 122289835 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Connecticut Non-Prime Home Loan (Counseling Notice Not Provided) | Connecticut Non-Prime Home Loan (HB5577): Counseling Notice (with toll-free number) not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | CT | Primary | Purchase | See any available cure under the Connecticut Non-Prime Home Loan threshold exception. B A | Exempt from ATR | Exempt from ATR | No |
| 122751627 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122751627 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.58750% or Final Disclosure APR of 7.61100% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122751627 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122751627 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122320818 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122320818 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122320818 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122320818 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | New York Subprime Loan: APR on subject loan of 6.25000% is in excess of allowable threshold of Prime Mortgage Market Rate 4.43000% + 1.75%, or 6.18000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122679376 |  |  |  |  |  |  | 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. | FACTA Disclosure Timing Test |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122679376 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.04130% or Final Disclosure APR of 8.06300% is in excess of allowable threshold of APOR 5.28% + 1.5%, or 6.78000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.04130% or Final Disclosure APR of 8.06300% is in excess of allowable threshold of APOR 5.28% + 1.5%, or 6.78000% |  |  |  | Reviewer Comment (2022-12-30): Cure provided for second appraisal fee. Loan is HPML Compliant.<br>Seller Comment (2022-12-29): Please clear due to the condition for the improper charge of appraisal has been cleared. <br>Thank you, | 12/30/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122679376 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. | Borrower paid for two appraisal |  |  |  | Reviewer Comment (2022-12-27): Cure documentation received<br>Seller Comment (2022-12-27): Please see other condition to show that second appraisal was cured. |  | 12/27/2022 |  | 2 C B |  | NY | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) B A | Exempt from ATR | Exempt from ATR | Yes |
| 122679376 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $0.00 |  |  |  | Reviewer Comment (2022-12-13): SitusAMC Received corrected PCCD dated 12/12/2022 along with copy of check, Proof of mailing and LOE<br>Seller Comment (2022-12-12): Please see attached PCCD, LOE, Proof of mailing and copy of check.<br>Reviewer Comment (2022-11-29): SitusAMC received Changed Circumstance dated 07/01/2022, but it does not give sufficient information on why the fee was adeed. In order to determine if the changed circumstance is valid more information is necessary on reason fee added 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>Seller Comment (2022-11-28): Please see attached for valid COC for this fee as second appraisal was in the file provided. |  | 12/13/2022 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122679376 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122679376 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122679376 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.04130% or Final Disclosure APR of 8.06300% is in excess of allowable threshold of Prime Mortgage Market Rate 5.22000 + 1.75%, or 6.97000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122679376 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122352470 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122352470 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122352470 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122352470 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.38770% or Final Disclosure APR of 8.41000% is in excess of allowable threshold of Prime Mortgage Market Rate 5.10000 + 1.75%, or 6.85000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122352470 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $350.00 exceeds tolerance of $175.00. Insufficient or no cure was provided to the borrower. | No COC or Cure was provided to Borrower for tolerance overages |  |  |  | Reviewer Comment (2022-12-13): SitusAMC received PCCD , LOE, proof of mailing & copy of refund check.<br>Seller Comment (2022-12-12): Please see attached PCCD, LOE, copy of check and proof of delivery. |  | 12/13/2022 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122693752 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Minimum reserve requirement is 6 months for loan amount greater than $500,001 |  |  |  | Reviewer Comment (2022-11-17): Received, Clearing.<br>Seller Comment (2022-11-16): Per final CD, cash to close required $157,910.07 plus 6 months PITIA $34,371.36, total required $192,281.43 to close.<br> We've verified assets from XXXXat $31,168.14, XXXX at $1,118.46, XXXX at $10,802.62, and XXXX at $183,567.87, total assets $226,657.09, which is sufficient to cover the closing cost and reserve required $192,281.43. <br> Also, XXXX is a business account for XXXX, borrower is owner of XXXX. Per CDL guidelines, business bank statements are acceptable to be used to close the transaction and reserve purpose. Also, CPA letter verifies and states that any withdrawals of business funds will not adversely affect the operations of the business. <br> Per attached EMD receipt and sourced check, $40,000 EMD Cashier's check is sourced via bank statement XXXX(per attached bank statement) evidencing the withdrawal. | 11/17/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122693752 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2022-11-17): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122693752 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-11-17): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122693752 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-11-17): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122693752 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.39320% or Final Disclosure APR of 8.41700% is in excess of allowable threshold of Prime Mortgage Market Rate 5.30000 + 1.75%, or 7.05000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-11-17): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122693752 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-11-17): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122693752 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122704796 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/24/2022 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 08/24/2022). | There is no Itemization of Amount Financed or Compliance Report. Provide further clarification of Escrow - Sat Fee in section C of the CD. |  |  |  | Reviewer Comment (2022-12-23): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD,<br>Seller Comment (2022-12-21): See attached PCCD, LOE, Proof of mailing, Proof of delivery<br>Reviewer Comment (2022-11-21): The finance charge is under disclosed by $236.85. The following fees have been included in the finance charge calculation: Administration Fee $900, Flood Cert $10, Broker fee $6975, Prepaid Int $488.25, Processing Fee $750, Tax Service $75, Title-digital storage $13.50, Title-Escrow-Sat $440.85, Title-Settlement $500 and Underwriting fee $750. Total finance charges $10,902.60. A PCCD, LOE, copy of refund check and proof of delivery. Unable to determine lender's calculations.<br>Seller Comment (2022-11-17): See attached Final CD. No discrepancies found for the finance charges, please provide clarification. |  | 12/23/2022 |  | 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 if Applicable B | Exempt from ATR | Exempt from ATR | Yes |
| 122240369 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122240369 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122240369 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122240369 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122240369 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | New York Subprime Loan: APR on subject loan of 6.03260% is in excess of allowable threshold of Prime Mortgage Market Rate 4.12000% + 1.75%, or 5.87000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122240369 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 15,144.91 on Final Closing Disclosure provided on 08/25/2022 not accurate. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122240369 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  |  |  |  |  | Reviewer Comment (2022-11-18): Coverage is walls-in per binder<br>Seller Comment (2022-11-18): Subject property is Co-operative. Per CDL guidelines, it's not required HO6 for co-op. | 11/18/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122305945 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: Borrower's ability to repay not verified with reliable documentation. | The file is missing the required documentation. |  |  |  | Reviewer Comment (2022-12-06): Clearing after re-review. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122305945 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | The file is missing the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122305945 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | The file is missing the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122305945 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.21710% or Final Disclosure APR of 8.22200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.22000 + 1.75%, or 6.97000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122305945 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | The file is missing the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122305945 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $321,800 is insufficient to cover the mortgage amount of $573,750. Please provide a letter from the insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-11-18): RCE received<br>Seller Comment (2022-11-18): Dwelling coverage $321,800 is sufficient to cover the replacement cost $321,000 per attached RCE. | 11/18/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122305945 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122779059 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Connecticut Non-Prime Home Loan (APR Exceeds Non-Prime Threshold) | Connecticut Non-Prime Home Loan: APR on subject loan of 8.31950% or Final Disclosure APR of 8.32500% is in excess of allowable threshold of APOR 5.37% + 1.5%, or 6.87000%. Non-Compliant Loan. |  |  |  |  | Reviewer Comment (2022-11-17): Accepted as is. |  |  |  | 2 B |  | CT | Primary | Refinance - Cash-out - Other | Within 90 days of closing, and prior to the commencement of any action against a lender, the borrower is notified of the violation and the lender makes appropriate restitution by either: <br> (a) making the nonprime home loan comply with the applicable provisions of the law; or <br> (b) changing the terms of the mortgage in a manner beneficial to the borrower so that the mortgage will no longer be considered a nonprime home loan;<br>Provide: Letter of Explanation and either: For option (a), proof of cure for each of the prohibited practice violations noted; or For option (b), a copy of refund check and proof of mailing.<br>OR<br>(Narrow Defense - CHD Approval Required) The lender is able to show by a preponderance of evidence (no timeframe noted) that the compliance failure was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid such errors. Provide: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) refund of amount over the Non-Prime Home Loan threshold maximum; and (3) proof of delivery.<br>OR <br>The lender and borrower otherwise reach a mutual agreement on an appropriate remedy or curative action. B | Exempt from ATR | Exempt from ATR | Yes |
| 122779059 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) Connecticut Non-Prime Home Loan (Ability to Repay not Verified) | Connecticut Non-Prime Home Loan (HB5577): Borrower's ability to repay not verified with reliable documentation. | The file is missing proof of the required documentation. |  |  |  | Reviewer Comment (2022-11-17): Accepted as is. |  |  |  | 2 B |  | CT | Primary | Refinance - Cash-out - Other | See any available cure under the Connecticut Non-Prime Home Loan threshold exception. B A | Exempt from ATR | Exempt from ATR | No |
| 122779059 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Borrower was not provided with a COC |  |  |  | Reviewer Comment (2022-11-03): Sufficient Cure Provided At Closing |  | 11/03/2022 |  | 1 A |  | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122779059 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | Borrower was not provided with a COC |  |  |  | Reviewer Comment (2022-11-03): Sufficient Cure Provided At Closing |  | 11/03/2022 |  | 1 A |  | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122779059 |  |  |  |  |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Missing evidence of the current policy good through 10/04/2022 |  |  |  | Reviewer Comment (2022-11-17): Received, Clearing.<br>Seller Comment (2022-11-17): Please see attached, HOI with effective date 10/4/2021 is before disbursement date. The HOI with effective date 10/4/2022 is the renewal one. | 11/17/2022 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122429718 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Minimum reserves is 3 months per guidelines |  |  |  | Reviewer Comment (2022-12-21): Received, cleared<br>Seller Comment (2022-12-21): Per final CD, Closing cost $104,873.15 + 3 months PITIA $12,279.78 = total required $117,152.93 to close. <br> We've verified asset from transaction activity from TD#7673 at $118,136.11 (attached), which is sufficient to cover the closing cost and 3 months reserve. | 12/21/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122429718 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | The file is missing source of the earnest money deposit in the amount of $20,000 and large deposit in the amount of $71,000 |  |  |  | Reviewer Comment (2022-12-21): Received, cleared<br>Seller Comment (2022-12-21): Per attached $71,000 cancelled check, $71,000 deposit was transferred from borrower TD #3289, so no source of the funds that were transferred from borrower's own account is required. <br> For $20,000 EMD, please see attached printout of 5/12 withdrawal for account#7673 and the access letter to the account, which evidencing $20,000 EMD withdrawal. | 12/21/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122429718 |  |  |  |  |  |  | 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 (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122429718 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122429718 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122429718 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.08140% or Final Disclosure APR of 8.09600% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122429718 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122429718 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The documentation was not received in a timely matter. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122429718 |  |  |  |  |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2022-12-21): Received, cleared<br>Seller Comment (2022-12-21): Per final CD, Closing cost $104,873.15 + 3 months PITIA $12,279.78 = total required $117,152.93 to close. <br> We've verified asset from transaction activity from TD#7673 at $118,136.11 (attached), which is sufficient to cover the closing cost and 3 months reserve. | 12/21/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122429718 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122979323 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: Borrower's ability to repay not verified with reliable documentation. | Compliance report/ High cost Analysis missing in file. |  |  |  | Reviewer Comment (2022-11-28): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122979323 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.63710% or Final Disclosure APR of 7.66600% is in excess of allowable threshold of Prime Mortgage Market Rate 5.22000 + 1.75%, or 6.97000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-11-28): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122979323 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $556,000 is sufficient to cover the mortgage amount of $380,000, however is insufficient to cover the estimated cost new of $827,000. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-11-28): Received, Clearing.<br>Seller Comment (2022-11-28): Uploaded RCE. Dwelling coverage $556,000 plus Other Structures $55,600, total coverage is sufficient to cover RCE $556,341.<br>Reviewer Comment (2022-11-18): Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer.<br>Reviewer Comment (2022-11-18): Policy does not indicate what the replacement cost value is.<br>Seller Comment (2022-11-18): Please see attached HOI, it contains verbiage of Dwelling with Replacement Cost, which means Dwelling including replacement cost is sufficient to cover the replacement cost. | 11/28/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122979323 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122979323 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122979323 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122892002 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122892002 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122892002 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122892002 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.65610% or Final Disclosure APR of 8.65400% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122428137 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2022-11-18): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122428137 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2022-11-18): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122428137 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.71250% or Final Disclosure APR of 7.71900% is in excess of allowable threshold of Prime Mortgage Market Rate 5.22000 + 1.75%, or 6.97000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-11-18): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122428137 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2022-11-18): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122428137 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing the CPA/Accountant/Tax Preparer/Enrolled Agent's letter |  |  |  | Reviewer Comment (2022-11-18): Received, Clearing.<br>Seller Comment (2022-11-18): CPA letter. | 11/18/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122428137 |  |  |  |  |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing Accountant/CPA/Tax Preparer letter to verify that business will not be adversely impacted by Borrower withdrawals from business account |  |  |  | Reviewer Comment (2022-11-28): Received, Clearing.<br>Seller Comment (2022-11-23): Per final CD, cash to close required $160,667.07 plus 6 months PITIA $31,979.52, total required $192,646.59.<br> We've verified asset from transaction activity of XXXX at $350,349.45, which is sufficient for this transaction. | 11/28/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122428137 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing Accountant/CPA/Tax Preparer letter to verify that business will not be adversely impacted by Borrower withdrawals from business account |  |  |  | Reviewer Comment (2022-11-28): Received, Clearing.<br>Seller Comment (2022-11-23): Per final CD, cash to close required $160,667.07 plus 6 months PITIA $31,979.52, total required $192,646.59.<br> We've verified asset from transaction activity of XXXX at $350,349.45, which is sufficient for this transaction. | 11/28/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122428137 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122073234 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | Investor to provide Post inspection | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster:09/29/22 | SitusAMC | Reviewer Comment (2022-12-01): Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Seller Comment (2022-12-01): Please see attached PDI report, no damage. |  |  | 12/01/2022 | 2 C B |  | FL | Investment | Purchase | C B A | N/A | N/A | No |
| 122312741 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-01-18): Client exception received via email. |  |  | 01/18/2023 | 2 C B |  | NY | Investment | Purchase | C B A | N/A | N/A | No |
| 122312741 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  |  | 12/02/2022 |  |  | 1 C A |  | NY | Investment | Purchase | C B A | N/A | N/A | No |
| 122613077 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122613077 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122613077 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) |  |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122613077 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | New York Subprime Loan: APR on subject loan of 6.25140% is in excess of allowable threshold of Prime Mortgage Market Rate 4.25000% + 1.75%, or 6.00000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122613077 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122613077 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  |  |  |  |  | Reviewer Comment (2022-12-02): Received, Clearing.<br>Seller Comment (2022-12-02): It's co-operative. It's not required HO6 but co-op master insurance for co-op. | 12/02/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122613077 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122876182 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122876182 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.14380% or Final Disclosure APR of 8.14600% is in excess of allowable threshold of Prime Mortgage Market Rate 5.22000 + 1.75%, or 6.97000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122861911 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122861911 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122861911 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.26430% or Final Disclosure APR of 8.26700% is in excess of allowable threshold of Prime Mortgage Market Rate 5.22000 + 1.75%, or 6.97000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122339891 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2022-11-17): Received, Clearing. | 11/17/2022 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122339891 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.74060% or Final Disclosure APR of 7.74300% is in excess of allowable threshold of APOR 5.28% + 1.5%, or 6.78000%. Non-Compliant Higher Priced Mortgage Loan. | Verified APR on subject loan of 7.74060% or Final Disclosure APR of 7.74300% is in excess of allowable threshold of APOR 5.28% + 1.5%, or 6.78000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2022-11-17): Received, Clearing. | 11/17/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122339891 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | Verified Counseling Disclosure not provided to borrower. |  |  |  | Reviewer Comment (2022-11-28): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122339891 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure |  |  |  | Reviewer Comment (2022-11-28): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122339891 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.74060% or Final Disclosure APR of 7.74300% is in excess of allowable threshold of Prime Mortgage Market Rate 5.22000 + 1.75%, or 6.97000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 7.74060% or Final Disclosure APR of 7.74300% is in excess of allowable threshold of Prime Mortgage Market Rate 5.22000 + 1.75%, or 6.97000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2022-11-28): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122339891 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verified Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2022-11-17): Received, Clearing.<br>Seller Comment (2022-11-17): See attached delivery letters for both CDA and Appraisal reports | 11/17/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122339891 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guidelines require 3 months PITI reserves. Missing evidence of appraisal paid outside of closing with invoice |  |  |  | Reviewer Comment (2022-11-28): Received, Clearing.<br>Seller Comment (2022-11-28): Per final CD, cash to close required $157,218.61 plus 3 months PITIA $12,505.44, total required $169,724.05;<br> We've verified assets from the transaction activities of XXXX at $139,548.07, XXXXX#XXXX at $24,001.49 and XXXX at $6647.28, total $170,196.84 is sufficient to cover total required funds to close.<br> Also, attached appraisal paid receipt evidencing the appraisal fee was paid, and asset bank statements. | 11/28/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122339891 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122961200 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of appraisal receipt is missing from the file |  |  |  | Reviewer Comment (2022-11-22): Evidence of appraisal receipt received | 11/22/2022 |  |  | 1 B A |  | CT | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 122961200 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | CT | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 122961200 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.44330% or Final Disclosure APR of 8.50700% is in excess of allowable threshold of APOR 5.20% + 1.5%, or 6.70000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-11-22): Evidence of appraisal receipt received | 11/22/2022 |  |  | 1 C A |  | CT | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 122961200 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | CT | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 122961200 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The required documentation was not received in a timely matter. |  |  |  | Reviewer Comment (2022-11-22): Evidence of appraisal receipt received<br>Seller Comment (2022-11-22): Please see attached delivery confirmation for the property<br>Reviewer Comment (2022-11-17): Appraisal receipt received was not for the subject property.<br>Seller Comment (2022-11-17): See attached delivery letters for PCI, CDA and Appraisal reports. | 11/22/2022 |  |  | 1 C A |  | CT | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 122961200 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Connecticut Non-Prime Home Loan (APR Exceeds Non-Prime Threshold) | Connecticut Non-Prime Home Loan: APR on subject loan of 8.44330% or Final Disclosure APR of 8.50700% is in excess of allowable threshold of APOR 5.20% + 1.5%, or 6.70000%. Non-Compliant Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | CT | Primary | Refinance - Rate/Term | Within 90 days of closing, and prior to the commencement of any action against a lender, the borrower is notified of the violation and the lender makes appropriate restitution by either: <br> (a) making the nonprime home loan comply with the applicable provisions of the law; or <br> (b) changing the terms of the mortgage in a manner beneficial to the borrower so that the mortgage will no longer be considered a nonprime home loan;<br>Provide: Letter of Explanation and either: For option (a), proof of cure for each of the prohibited practice violations noted; or For option (b), a copy of refund check and proof of mailing.<br>OR<br>(Narrow Defense - CHD Approval Required) The lender is able to show by a preponderance of evidence (no timeframe noted) that the compliance failure was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid such errors. Provide: (1) Lender Attestation to AMC attesting (i) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made and (ii) the lender has not received any notice from borrower of the failure; (2) refund of amount over the Non-Prime Home Loan threshold maximum; and (3) proof of delivery.<br>OR <br>The lender and borrower otherwise reach a mutual agreement on an appropriate remedy or curative action. B | Exempt from ATR | Exempt from ATR | Yes |
| 122961200 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) Connecticut Non-Prime Home Loan (Ability to Repay not Verified) | Connecticut Non-Prime Home Loan (HB5577): Borrower's ability to repay not verified with reliable documentation. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | CT | Primary | Refinance - Rate/Term | See any available cure under the Connecticut Non-Prime Home Loan threshold exception. B A | Exempt from ATR | Exempt from ATR | No |
| 122705385 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2022-11-18): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122705385 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2022-11-18): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122705385 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2022-11-18): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122705385 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.55900% or Final Disclosure APR of 8.55900% is in excess of allowable threshold of Prime Mortgage Market Rate 5.54000 + 1.75%, or 7.29000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-11-18): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122705385 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $575.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-11-07): Sufficient Cure Provided At Closing |  | 11/07/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122705385 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of funds for EMD deposit in the amount of $70,000 |  |  |  | Reviewer Comment (2022-11-18): Received, Clearing.<br>Seller Comment (2022-11-18): Attached Cancelled EMD check is evidencing the source of EMD. | 11/18/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122460568 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $323,200 + 20% is sufficient to cover the mortgage amount of $214,900, however is insufficient to cover the estimated cost new of $497,160. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-11-21): RCE received<br>Seller Comment (2022-11-21): Hazard coverage of $323,200+20% is sufficient to cover RCE $338,418 per attached. RCE. | 11/21/2022 |  |  | 1 C A |  | NH | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 122547121 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. | Verified Loan file did not contain record(s) documenting high-cost home loan analysis. |  |  |  | Reviewer Comment (2022-12-12): Compliance report received<br>Seller Comment (2022-12-09): See attached for our compliance report showing the pass on its analysis for high-cost. | 12/12/2022 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 122547121 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. | Rhode Island Home Loan Disclosure missing in file. |  |  |  | Reviewer Comment (2022-12-06): Received, cleared<br>Seller Comment (2022-12-06): Please see attached Prohibited Acts of Lenders for Home Loans | 12/06/2022 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 122547121 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. | High-Cost Home Loans disclosure not provided. |  |  |  | Reviewer Comment (2022-12-06): Prohibited Acts and Practices disclosure received<br>Seller Comment (2022-12-06): Please see attached Prohibited acts and practices for High Cost Loans. | 12/06/2022 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 122547121 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided Timely) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided within three (3) business days of application. | Rhode Island Home Loan Disclosure missing. |  |  |  | Reviewer Comment (2022-12-06): Received, cleared<br>Seller Comment (2022-12-06): Please see attached Signed Prohibited Acts for Home loans | 12/06/2022 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 122547121 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island High Cost Analysis Timing | Rhode Island Home Loan: High-cost Analysis not documented and substantiated prior to closing of the loan. | Compliance report review date is 9/9/2022, which is post closing |  |  |  | Reviewer Comment (2022-12-29): Received, Clearing.<br>Seller Comment (2022-12-29): Please see attached XXXX for the high cost analysis run prior to closing.<br>Reviewer Comment (2022-12-27): A high cost analysis is required for transactions in this state<br>Seller Comment (2022-12-27): Please refer to other condition to see that file is not a high cost loan. | 12/29/2022 |  |  | 1 A |  | RI | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 122482029 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | New York Subprime Counseling Disclosure not provided to borrower. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122482029 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure not provided to borrower. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122482029 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.24270% or Final Disclosure APR of 8.31600% is in excess of allowable threshold of Prime Mortgage Market Rate 5.81000 + 1.75%, or 7.56000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 8.24270% or Final Disclosure APR of 8.31600% is in excess of allowable threshold of Prime Mortgage Market Rate 5.81000 + 1.75%, or 7.56000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122482029 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122595236 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122595236 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122595236 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.95560% or Final Disclosure APR of 8.02700% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122595236 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122289270 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122289270 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122289270 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.90640% or Final Disclosure APR of 7.97500% is in excess of allowable threshold of Prime Mortgage Market Rate 5.22000 + 1.75%, or 6.97000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122289270 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing the invoice verifying the appraisal was paid outside of closing |  |  |  | Reviewer Comment (2022-12-07): Invoice received, exception cleared<br>Seller Comment (2022-12-07): Please see attached appraisal paid receipt, which is evidencing the appraisal fee was paid. | 12/07/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122363861 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | Counseling Disclosure was not provided to borrower. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122363861 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.14670% or Final Disclosure APR of 9.26600% is in excess of allowable threshold of Prime Mortgage Market Rate 4.26000 + 1.75%, or 6.01000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122363861 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification of employment is not within 10 business days of the Note. |  |  |  | Reviewer Comment (2022-11-21): Received, cleared<br>Seller Comment (2022-11-18): Please see attached VVOE, it was verified within 10 days of note. | 11/21/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122363861 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122698513 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122698513 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122698513 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.47520% or Final Disclosure APR of 8.54900% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122698513 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122698513 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of special flood hazards was not provided to the borrower prior to 10 days of the closing date |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122698513 |  |  |  |  |  |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  |  |  |  |  | Reviewer Comment (2022-11-28): Desk review with same effective date received<br>Seller Comment (2022-11-28): Please see attached CDA with same effective date. | 11/28/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122698513 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122698513 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122455202 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Updated per guidelines requirements. |  |  |  | Reviewer Comment (2022-11-29): Additional assets received<br>Seller Comment (2022-11-29): Per final CD, cash to close required $215,710.05 plus 6 months PITIA $27,028.02, total required $242,738.07 to close;<br> We've verified assets from the transaction activities of Chase#4865 at $25,103.43, TD#1965 at $205,237.55 and TD#5843 at $22,499.37, total asset $252,840.35 is sufficient to cover total required funds to close.<br> Also, attached bank statements, appraisal invoice and HOI paid receipt evidencing appraisal fee and insurance premium were paid before closing. | 11/29/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122455202 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.63350% or Final Disclosure APR of 7.70000% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 7.63350% or Final Disclosure APR of 7.70000% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122455202 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | New York Subprime Counseling Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122455202 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122455202 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided Timely) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, high-cost loan in a reasonably practical timeframe. | New York Subprime Disclosure missing in file. |  |  |  | Reviewer Comment (2022-12-06): Clearing after re-review. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122455202 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | Fee was disclosed on LE as $175.00 and on Closing Disclosure as $205.00 . File does not contain a valid Change of Circumstance for the fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $30.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent it the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-14): Sufficient Cure Provided At Closing |  | 11/14/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122455202 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Subprime disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122449929 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122449929 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.25280% or Final Disclosure APR of 8.32400% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122449929 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided |  | Source of Earnest money deposit was not provided. |  |  |  | Reviewer Comment (2022-12-01): Received, Clearing.<br>Seller Comment (2022-12-01): Attached EMD canceled check is evidencing the source of EMD. | 12/01/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122449929 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122759796 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Lender on the appraisal does not match the lender on the note |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122759796 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122759796 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) | Mandatory escrow account was not established for the collection of property taxes and insurance |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122759796 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.52280% or Final Disclosure APR of 9.61100% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122007801 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | Post disaster inspection required | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/29/22 | SitusAMC | Reviewer Comment (2022-11-17): Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Seller Comment (2022-11-17): Per attached PDI report, no damage. |  |  | 11/17/2022 | 2 C B |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122437957 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $775.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. No cure provided. |  |  |  | Reviewer Comment (2022-11-11): Sufficient Cure Provided At Closing |  | 11/11/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122437957 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $337,000 is insufficient to cover the mortgage amount of $731,250 with an estimated cost new of $933,400. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-11-21): RCE received<br>Seller Comment (2022-11-21): Hazard coverage of $337,000 is sufficient to cover the replacement cost $330,345 per attached RCE. | 11/21/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122437957 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122437957 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122437957 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.16720% or Final Disclosure APR of 8.22700% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122437957 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122908899 |  |  |  |  |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Large deposit of $123,000 on 7/21/22 and EMD of $67,800 was not sourced |  |  |  | Reviewer Comment (2022-11-29): Received, Clearing.<br>Seller Comment (2022-11-29): Attached $67,800 EMD canceled check is evidencing the source of EMD.<br> Attached Processing Certificate states that these were errors made on two deposits for $65k and $58k which combined total $123,000, so attached gift letters for $65k and $58k are the source of $123,000. | 11/29/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122908899 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $469,000 is insufficient to cover the mortgage amount of $515,200 with an estimated cost new of $653,600. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-11-22): Received, cleared<br>Seller Comment (2022-11-22): Dwelling coverage is sufficient to cover the RCE per attached. | 11/22/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122908899 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Large deposit of $123,000 on 7/21/22 and EMD of $67,800 was not sourced |  |  |  | Reviewer Comment (2022-11-29): Received, Clearing.<br>Seller Comment (2022-11-29): Attached $67,800 EMD canceled check is evidencing the source of EMD.<br> Attached Processing Certificate states that these were errors made on two deposits for $65k and $58k which combined total $123,000, so attached gift letters for $65k and $58k are the source of $123,000. | 11/29/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122908899 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2022-11-29): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122908899 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2022-11-29): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122908899 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.49760% or Final Disclosure APR of 8.56200% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-11-29): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122908899 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2022-11-29): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122908899 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122452570 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | File is missing a copy of <br> New York Subprime Disclosure |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122452570 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.54830% or Final Disclosure APR of 8.61000% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. | New York Subprime Home Loan Threshold Fixed Non-Compliant. APR on subject loan of 8.54830% or Final Disclosure APR of 8.61000% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000% |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122452570 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | File is missing a copy of New York Subprime Tax Disclosure |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122452570 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | File is missing a copy of New York Subprime Counseling Disclosure |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122452570 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122505200 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122505200 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122505200 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.78250% or Final Disclosure APR of 7.84000% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122505200 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $12,241.88 exceeds tolerance of $11,424.00. Insufficient or no cure was provided to the borrower. | Transfer tax increased with no valid COC in file for explanation. |  |  |  | Reviewer Comment (2022-12-28): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Seller Comment (2022-12-28): Borrower has received the cure. Please clear this condition.<br>Reviewer Comment (2022-12-22): SitusAMC received Corrected PCCD, LOE, Copy of Refund check and Mailing label. FedEx/UPS/USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Seller Comment (2022-12-21): See attached PCCD, LOE, Proof of mailing, Proof of delivery |  | 12/28/2022 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122505200 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Per guidelines, If using rental income from other real estate owned to qualify, CPA/Accountant/Tax Preparer/Enrolled Agent to provide signed and dated letter on accounting firm's letterhead or template confirming all properties owned by the borrower and the monthly/annual gross rental income from each of those properties. |  |  |  | Reviewer Comment (2022-12-05): Received, Clearing.<br>Seller Comment (2022-12-05): The CPA would not be the one to confirm this as it wasn't already in place.<br> Please see attached proposed lease, security deposit and Motivation letter.<br> Per attached Q&A CDL Guidelines, Borrower will be converting their vacating property to a rental, and are using rental income to qualify the loan, borrower provided fully executed proposed lease for incoming tenants, including copies of cancelled first month's rent and security deposit checks, which meet our guidelines. | 12/05/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122505200 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122812134 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-01-18): Client exception received via email. |  |  | 01/18/2023 | 2 C B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122812134 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122812134 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.57280% or Final Disclosure APR of 7.62500% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122095730 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2022-12-06): Clearing after re-review. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122095730 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122095730 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122095730 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | New York Subprime Loan: APR on subject loan of 6.69990% is in excess of allowable threshold of Prime Mortgage Market Rate 4.31000% + 1.75%, or 6.06000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122095730 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122095730 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $650.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | No valid change in circumstance for fee increase |  |  |  | Reviewer Comment (2022-12-06): SitusAMC received PCCD, LOE, proof of mailing &n copy of refund check.<br>Seller Comment (2022-12-05): Please see attached COC from 08.09 for the Appraisal Recertification fee that was needed due to the appraisal being over 90 days old. Also attached is the PCCD with Proof of mailing and copy of refund check in the amount of $275 for the second Appraisal recertification fee that was added on the final CD.<br>Reviewer Comment (2022-11-21): SituAMC received PCCD that was provided in the trailing images was also provided in the original loan package with Letter of Explanation. However, copy of refund check and Proof of mailing is missing. Also, provided COC dated 08/09 does not give sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added. A valid Changed Circumstance, proof of mailing and copy of refund check is required to clear this exception..<br>Seller Comment (2022-11-18): First Appraisal Re Inspection for $275 was needed due to appraisal was over 90 days. Cure for $375 was included in file with PCCD and Letter of Explanation | 12/06/2022 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122095730 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $650.00 exceeds tolerance of $275.00. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-12-06): Sufficient Cure Provided within 60 Days of Closing |  | 12/06/2022 |  | 1 A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122095730 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122822919 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.14890% or Final Disclosure APR of 8.20400% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Compliant SubPrime Loan. | APR on subject loan of 8.14890% or Final Disclosure APR of 8.20400% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000% |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122822919 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $400.00 exceeds tolerance of $0.00 |  |  |  | Reviewer Comment (2022-11-18): Sufficient Cure Provided At Closing |  | 11/18/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122822919 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $175.00 |  |  |  | Reviewer Comment (2022-11-18): Sufficient Cure Provided At Closing |  | 11/18/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122822919 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122822919 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122822919 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.14890% or Final Disclosure APR of 8.20400% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122822919 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122937179 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122937179 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.60660% or Final Disclosure APR of 7.65700% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122899553 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | New York Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within three days of application. | Counseling Disclosure not provided to borrower at the time of application, but within three days of application |  |  |  | Reviewer Comment (2022-12-06): Added updated exception. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122899553 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122899553 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.89730% or Final Disclosure APR of 7.95000% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Non-Compliant SubPrime Loan. | APR on subject loan of 7.89730% or Final Disclosure APR of 7.95000% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000% |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122899553 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing |  |  |  | Reviewer Comment (2022-11-22): SitusAMC received initial CD dated 08/31 three days prior to consummation.<br>Seller Comment (2022-11-21): Please see attached for the Initial CD with borrower acknowledgement. | 11/22/2022 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure B A | Exempt from ATR | Exempt from ATR | No |
| 122899553 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122175329 |  |  |  |  |  |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Appraiser did not analyze the purchase contract. |  |  |  |  |  | Reviewer Comment (2022-11-29): Received, Clearing.<br>Seller Comment (2022-11-29): Appraiser did analyze the purchase contract. On page #3, it indicates this purchase transaction. <br> Please advise and indicate which page stating appraiser didn't analyze the purchase contract. | 11/29/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| 122175329 |  |  |  |  |  |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | Unable to determine property type, compliance results were generated using a defaulted value of Single Family Detached. |  | Property type is missing from the appraisal |  |  |  | Reviewer Comment (2022-11-29): Received, Clearing. | 11/29/2022 |  |  | 1 B A |  | FL | Primary | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| 122175329 |  |  |  |  |  |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type. |  | All checkboxes on the appraisal are blank. Default property type of SFR is used for testing. |  |  |  | Reviewer Comment (2022-11-29): Received, Clearing.<br>Seller Comment (2022-11-29): All checkboxes on the appraisal are checked. On page #3, property type is detached. | 11/29/2022 |  |  | 1 B A |  | FL | Primary | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| 122175329 |  |  |  |  |  |  | Credit | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Possible FIRREA violation, appraisal is not complete and may not offer substantial backing for value. |  | All checkboxes on the appraisal report are blank |  |  |  | Reviewer Comment (2022-11-29): Received, Clearing.<br>Seller Comment (2022-11-29): Appraisal is complete and offer value as of 8/19/2022 at value $1,400,000 on page #4. <br> All checkboxes on the appraisal report are not blank. | 11/29/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| 122175329 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | Reviewer Comment (2022-11-29): Received, Clearing. | 11/29/2022 |  |  | 1 B A |  | FL | Primary | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| 122175329 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing CPA letter for use of business funds from both businesses |  |  |  | Reviewer Comment (2022-12-01): Received, Clearing.<br>Seller Comment (2022-12-01): Per final CD, cash to close required $471,217.42 plus 6 months PITIA $37,131.54, total required $508,348.96 to close;<br> We've verified assets from the transaction activities of BOA#1430 at $500,759.40 and WF#4484 at $37,143.98, total asset $537,903.38 is sufficient to cover total required funds to close.<br> Attached CPA letter stating using business funds, won't impact on the business Roseland Adult Daycare, Inc (WF#4484 - business account). | 12/01/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| 122175329 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Property type discrepancy. |  | Appraisal is incomplete. All checkboxes are blank |  |  |  | Reviewer Comment (2022-11-29): Received, Clearing.<br>Seller Comment (2022-11-29): Appraisal property type of one unit & detached does match Guideline property type of Single Family Detached. | 11/29/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| 122143404 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122143404 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.39880% or Final Disclosure APR of 8.45400% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122464199 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.82370% or Final Disclosure APR of 8.87000% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122464199 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122464199 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122464199 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.82370% or Final Disclosure APR of 8.87000% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122464199 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122339742 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.81440% or Final Disclosure APR of 8.87400% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122339742 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122339742 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122339742 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.81440% or Final Disclosure APR of 8.87400% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122339742 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122014141 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 9.15680% or Final Disclosure APR of 9.22000% is in excess of allowable threshold of APOR 5.20% + 1.5%, or 6.70000% Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | MA | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122014141 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $495.00 exceeds tolerance of $440.00 plus 10% or $484.00. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded for Recording Fee Total without a valid change of circumstance. |  |  |  | Reviewer Comment (2022-11-04): Sufficient Cure Provided At Closing |  | 11/04/2022 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122014141 |  |  |  |  |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  |  |  |  |  | Reviewer Comment (2022-12-21): Based on updated guidelines, this has been cleared<br>Reviewer Comment (2022-12-21): EXCEPTION HISTORY - Exception Explanation was updated on 12/21/2022 PRIOR Exception Explanation: Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 70.00000%.<br>Reviewer Comment (2022-12-01): Guidelines should be based on application date which is 7/28/2022. Active guidelines at that time were 7.13 guidelines and used for this review. LTV/CLTV do not meet requirements<br>Seller Comment (2022-12-01): The note date of this loan is 9/9/2022, so it must be followed the CDL guidelines as of 8/31/2022. Per CDL guidelines as of 8/31/2022, LTV 80% and FICO 696 meet our guidelines.<br>Reviewer Comment (2022-11-29): Guidelines provided and approved by AG for our review were dated 7/13/22 which do no reflect these LTV/CLTV's.<br>Seller Comment (2022-11-29): Per attached CDL guidelines, for purchase of primary property with loan amount $508,000 falls to the category of max LTV 80% and Min Fico 660, borrower's Fico 696 meet the LTV 80%. | 12/21/2022 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122014141 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  |  |  |  |  | Reviewer Comment (2022-12-21): Based on 8/13/22 guidelines, exception cleared<br>Reviewer Comment (2022-12-01): Guidelines should be based on application date which is 7/28/2022. Active guidelines at that time were 7.13 guidelines and used for this review. LTV/CLTV do not meet requirements<br>Seller Comment (2022-12-01): The note date of this loan is 9/9/2022, so it must be followed the CDL guidelines as of 8/31/2022. Per CDL guidelines as of 8/31/2022, LTV 80% and FICO 696 meet our guidelines.<br>Reviewer Comment (2022-11-29): Guidelines provided and approved by AG for our review were dated 7/13/22 which do no reflect these LTV/CLTV's.<br>Seller Comment (2022-11-29): Per attached CDL guidelines, for purchase of primary property with loan amount $508,000 falls to the category of max LTV 80% and Min Fico 660, borrower's Fico 696 meet the LTV 80%. | 12/21/2022 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122371097 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | File is missing a copy of New York Subprime Loan: Counseling Disclosure |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122371097 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | File is missing a copy of New York Subprime Loan: |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122371097 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.06910% or Final Disclosure APR of 8.11400% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Non-Compliant SubPrime Loan. | Loan is identified as non compliant subprime loan. APR on subject loan of 8.06910% or Final Disclosure APR of 8.11400% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122371097 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | File is missing a copy of New York Subprime Tax Disclosure |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122371097 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122885552 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the RESPA Homeownership Counseling List Disclosure. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122885552 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.83650% or Final Disclosure APR of 8.88800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.30000 + 1.75%, or 7.05000%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122885552 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122885552 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.83650% or Final Disclosure APR of 8.88800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.30000 + 1.75%, or 7.05000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122885552 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122766237 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The file is missing a copy of the lender rate lock sheet. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122766237 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the RESPA Homeownership Counseling List Disclosure. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122766237 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.05100% or Final Disclosure APR of 8.09400% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122766237 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $252,000 + 20% is insufficient to cover the mortgage amount of $371,250 with an estimated cost new of $319,120. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-11-22): RCE received<br>Seller Comment (2022-11-22): Dwelling coverage is sufficient to cover RCE per attached. | 11/22/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122766237 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122766237 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.05100% or Final Disclosure APR of 8.09400% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122766237 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122153146 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122153146 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.77730% or Final Disclosure APR of 8.82300% is in excess of allowable threshold of Prime Mortgage Market Rate 5.51000 + 1.75%, or 7.26000%. Non-Compliant SubPrime Loan. | APR on subject loan of 8.77730% or Final Disclosure APR of 8.82300% is in excess of allowable threshold of Prime Mortgage Market Rate 5.51000 + 1.75%, or 7.26000% |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122563700 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122563700 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.41940% or Final Disclosure APR of 8.46200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122563700 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122563700 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122563700 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.41940% or Final Disclosure APR of 8.46200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122563700 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122726308 |  |  |  |  |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  |  |  |  |  | Reviewer Comment (2022-11-23): Previous policy received, exception cleared<br>Seller Comment (2022-11-22): Please see attached Current HOI with effective date10/10/2021, which is before disbursement date. The HOI with effective 10/10/2022 is renewal one. | 11/23/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122726308 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | Verified New York Subprime Counseling Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122726308 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Verified New York Subprime Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122726308 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.91770% or Final Disclosure APR of 7.94500% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 7.91770% or Final Disclosure APR of 7.94500% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122726308 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | Fee was disclosed on LE as $175.00 and on Closing Disclosure as $205.00 . File does not contain a valid Change of Circumstance for the fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $30.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent it the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-07): Sufficient Cure Provided At Closing |  | 11/07/2022 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122726308 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122269579 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2022-12-06): Clearing after re-review. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Refinance - Rate/Term | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122269579 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122269579 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122269579 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 7.95380% or Final Disclosure APR of 7.98200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.66000 + 1.75%, or 7.41000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122269579 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122269579 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122648840 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower. | Fee was disclosed on LE as $750.00 and on Closing Disclosure as $1,200.00 .File does not contain a valid Change of Circumstance for the fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $450.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent it the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-09): Sufficient Cure Provided within 60 Days of Closing |  | 11/09/2022 |  | 1 A |  | FL | Primary | Purchase | A | Exempt from ATR | Exempt from ATR | Yes |
| 122648840 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $370.00 exceeds tolerance of $205.00. Sufficient or excess cure was provided to the borrower. | Fee was disclosed on LE as $205.00 and on Closing Disclosure as $370.00 . File does not contain a valid Change of Circumstance for the fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $165.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent it the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-09): Sufficient Cure Provided within 60 Days of Closing |  | 11/09/2022 |  | 1 A |  | FL | Primary | Purchase | A | Exempt from ATR | Exempt from ATR | Yes |
| 122073616 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 122073616 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122073616 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122073616 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.09230% or Final Disclosure APR of 8.11800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122073616 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122073616 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122572289 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Evidence the borrower received the list of 10 counseling organizations is missing from the file |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122572289 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122572289 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122572289 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122572289 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.68960% or Final Disclosure APR of 8.72900% is in excess of allowable threshold of Prime Mortgage Market Rate 5.66000 + 1.75%, or 7.41000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122572289 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122726807 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.67160% or Final Disclosure APR of 8.70700% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122726807 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122726807 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122726807 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.66740% or Final Disclosure APR of 8.70700% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122726807 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122490046 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.43180% or Final Disclosure APR of 8.47100% is in excess of allowable threshold of Prime Mortgage Market Rate 5.66000 + 1.75%, or 7.41000%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122490046 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | New York Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within three days of application. | The New York Subprime Counseling Disclosure was provided on 7/25/2022. |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122490046 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122490046 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122490046 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.43180% or Final Disclosure APR of 8.47100% is in excess of allowable threshold of Prime Mortgage Market Rate 5.66000 + 1.75%, or 7.41000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122490046 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122737666 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Unable to determine missing supporting documentation and Per Guidelines: Quontic may accept an appraisal transferred from another lender that originally ordered the appraisal with an accompanying Appraisal Transfer Letter. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | IN | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122737666 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Verified from Appraisal that Lender differs from Note and no transfer letter in file |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | IN | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122703165 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122703165 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  | Reviewer Comment (2022-12-06): Clearing after re-review. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122703165 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122703165 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122703165 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.57840% or Final Disclosure APR of 8.16200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.66000 + 1.75%, or 7.41000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122703165 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122703165 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $465.00 exceeds tolerance of $389.00 plus 10% or $427.90. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-11-07): Sufficient Cure Provided At Closing |  | 11/07/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122703165 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122038438 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Minimum requirements for reserves is 3 months per guidelines. |  |  |  | Reviewer Comment (2022-11-29): Received, Clearing.<br>Seller Comment (2022-11-29): Per final CD, cash to close required $58,013.72 plus 3 months PITIA $5883.33, total required $63,897.05 to close;<br> We've verified assets from the transaction activities of Chase#8396 at $21,039.35, Chase#2213 at $35,005, and TD#0935 at $9200.13, total asset $65,244.48 sufficient to cover total required funds to close.<br> Attached Bank statements and Appraisal and Insurance paid receipt evidencing appraisal fee and insurance premium were paid. | 11/29/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122038438 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Lender on the appraisal doesn't match the lender on the note |  |  |  | Reviewer Comment (2022-11-29): Accepted as is. |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122038438 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | Appraisal was completed before the FEMA disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/29/2022 | SitusAMC | Reviewer Comment (2022-11-21): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/29/2022<br>Seller Comment (2022-11-21): Please see attached PDI report, no damage. |  |  | 11/21/2022 | 2 C B |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122038438 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | LE was not received in a timely matter |  |  |  | Reviewer Comment (2022-11-23): SitusAMC received 8-29-22 LE<br>Seller Comment (2022-11-21): Please see attached for the LEs. | 11/23/2022 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure B A | Exempt from ATR | Exempt from ATR | No |
| 122038438 |  |  |  |  |  |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 1073/465 used for incorrect Subject property type. | - ___ | Townhouse is checked on the first page of the appraisal however, the appraisal indicates in the addendum, the property is a garden condominium. |  |  |  | Reviewer Comment (2022-11-29): Accepted as is. |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122821726 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/19/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 09/22/2022). |  |  |  |  | Reviewer Comment (2023-01-19): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount and Corrected CD.<br>Reviewer Comment (2023-01-19): cleared in error<br>Reviewer Comment (2023-01-18): SitusAMC received PCCD, LOE, copy of refund check and proof of mailing, however cure was received on day 61 and the exception must remain as open unable to cure as cure requirements have not been met.<br>Seller Comment (2023-01-17): Please see attached PCCD, LOE, Copy of check and Proof of mailing. |  | 01/19/2023 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Exempt from ATR | Exempt from ATR | Yes |
| 122437039 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.85150% or Final Disclosure APR of 8.92200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 8.85150% or Final Disclosure APR of 8.92200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122437039 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | Counseling Disclosure not provided to borrower. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122437039 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure not provided to Borrower. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122437039 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) | New York Subprime Escrow Account not required per Co Op guidelines. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 122437039 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | New York Subprime Tax Disclosure not required per scope. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122437039 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Lender on the appraisal does not match the lender on the note |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 122437039 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122249384 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Evidence of receipt of Maryland HPML Disclosure |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | MD | Primary | Purchase | Lender attestation indicating that (1) the borrower did not qualify for any non-higher-priced loans or (2) the lender does not offer non-higher-priced loans. C B A | Exempt from ATR | Exempt from ATR | No |
| 122249384 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 8.81650% or Final Disclosure APR of 8.86800% is in excess of allowable threshold of APOR 5.95% + 1.5%, or 7.45000%. Non-Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | MD | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122249384 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2022-11-23): received, cleared<br>Seller Comment (2022-11-23): Attached flood certificate. | 11/23/2022 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122069658 |  |  |  |  |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file is missing a copy of the hazard insurace policy. |  |  |  | Reviewer Comment (2022-11-23): Received master policy, cleared<br>Seller Comment (2022-11-23): Subject property is Co-operative. Per CDL guidelines, it's not required HO6 but co-op master insurance. | 11/23/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122069658 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122069658 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122069658 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122069658 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.70840% or Final Disclosure APR of 8.73800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122069658 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122069658 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) | Property is a Co-Op and taxes/insurance is not required. |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122069658 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 11,847.00 on Final Closing Disclosure provided on 09/20/2022 not accurate. | There are no taxes/insurance amounts listed on the final CD. |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122069658 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  | Walls in coverage is missing from the file |  |  |  | Reviewer Comment (2022-12-01): Received, Clearing.<br>Seller Comment (2022-12-01): It's co-operative. We never require H06 on Co-ops, and we align with FNMA here. | 12/01/2022 |  |  | 1 A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122203836 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | New York Subprime Counseling Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122203836 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122203836 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.74090% or Final Disclosure APR of 8.76800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.66000 + 1.75%, or 7.41000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 8.74090% or Final Disclosure APR of 8.76800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.66000 + 1.75%, or 7.41000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122203836 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122700788 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122700788 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122700788 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122700788 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2022-12-06): Clearing after re-review. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122700788 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122700788 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122700788 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122700788 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.05680% or Final Disclosure APR of 8.09000% is in excess of allowable threshold of Prime Mortgage Market Rate 5.16000 + 1.75%, or 6.91000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122700788 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122700788 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122824965 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122824965 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.62940% or Final Disclosure APR of 8.67600% is in excess of allowable threshold of Prime Mortgage Market Rate 5.66000 + 1.75%, or 7.41000%. Non-Compliant SubPrime Loan. | APR on subject loan of 8.62940% or Final Disclosure APR of 8.67600% is in excess of allowable threshold of Prime Mortgage Market Rate 5.66000 + 1.75%, or 7.41000% |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122671198 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing invoice showing appraisal paid outside of closing |  |  |  | Reviewer Comment (2023-01-10): Received, Clearing.<br>Seller Comment (2023-01-10): Per settlement statement, cash to close required $3,131.84 plus 3 months PITIA $4989.72, total required $8121.56 to close;<br> We've verified assets from the transaction activities of TD#7162 at $3346.24, WF#8453 at $3954.46, and WF#0837 at $1603.38, total asset is $8904.08, which is sufficient to cover the total required funds to close.<br> Attached bank statements, insurance paid receipt, and CPA letter verifying funds withdrawn from business account will not adversely affect.<br>Reviewer Comment (2022-12-07): Still short reserves.<br>Reviewer Comment (2022-12-07): EXCEPTION HISTORY - Exception Explanation was updated on 12/07/2022 PRIOR Exception Explanation: Calculated PITIA months reserves of 2.62 is less than Guideline PITIA months reserves of 3.00.<br>Seller Comment (2022-12-07): Please see attached appraisal paid receipt, the appraisal fee was paid by credit card not asset bank account, which is evidencing the asset is sufficient to cover closing cost and reserve required. | 01/10/2023 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 122671198 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. |  |  |  |  | Reviewer Comment (2023-01-10): Only applicable to NJ licensees.<br>Reviewer Comment (2022-12-07): Exception remains<br>Seller Comment (2022-12-07): No Resolution | 01/10/2023 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 122337055 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122337055 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122337055 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | New York Subprime Loan: APR on subject loan of 6.81130% is in excess of allowable threshold of Prime Mortgage Market Rate 4.64000% + 1.75%, or 6.39000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122337055 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122914660 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122914660 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122914660 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.57300% or Final Disclosure APR of 8.58600% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122914660 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $21,102.62 exceeds tolerance of $20,948.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $21,102.62 exceeds tolerance of $20,948.00. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-11-18): SitusAMC Sufficient cure provided at closing.<br>Seller Comment (2022-11-17): See attached Final CD. Cure for $154.62 listed for the increase in transfer taxes. | 11/18/2022 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122914660 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $21,102.62 exceeds tolerance of $20,948.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-11-23): Sufficient Cure Provided At Closing |  | 11/23/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122972627 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122972627 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122972627 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.28240% or Final Disclosure APR of 8.29600% is in excess of allowable threshold of Prime Mortgage Market Rate 5.89000 + 1.75%, or 7.64000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122972627 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122828070 |  |  |  |  |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  |  | Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-01-18): Client exception received via email. |  |  | 01/18/2023 | 2 C B |  | NJ | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122267382 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $319,000 is insufficient to cover the mortgage amount of $309,000 and the appraisal did not provide an estimated cost new. Please provide a letter from the insurer stating the maximum insurable amount and or a replacement costs estimator from the insurer |  |  |  | Reviewer Comment (2022-12-13): Received, Clearing.<br>Seller Comment (2022-12-13): Please see attached RCE. Dwelling coverage is sufficient to cover RCE per attached.<br>Reviewer Comment (2022-12-09): For that part of the email we would still need the RCE so we can determine if 80% of the insurable value is met.<br>Seller Comment (2022-12-09): The email states either 100% of the insurable value of the improvements or the unpaid principal balance of mortgage. Hazard coverage of $319,000 is sufficient to cover the mortgage amount of $309,000, which meet FNMA guidelines.<br>Reviewer Comment (2022-12-08): The email states it must say its 100% of the insurable value. Nothing in the policy says that the coverage is 100% of the insurable value. We need an adjusted policy or RCE.<br>Seller Comment (2022-12-08): Hazard coverage of $319,000 is sufficient to cover the mortgage amount of $309,000, which meet FNMA guidelines as attached. And Glenn Rocca from AG approved it. Refer to FNMA guidelines. A homeowner Insurance policy must be obtained with replacement cost coverage equal to the lesser of the following: 100% of the insurable value of the improvements or the unpaid principal balance of mortgage. | 12/13/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122267382 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.39020% or Final Disclosure APR of 8.40000% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Compliant SubPrime Loan. | APR on subject loan of 8.39020% or Final Disclosure APR of 8.40000% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000% |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122267382 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2022-12-13): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122267382 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.39020% or Final Disclosure APR of 8.40000% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-13): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122267382 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2022-12-13): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122672058 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing source of $8500 and $2010 deposits. These were omitted from qualifying assets. Per guidelines, Any undocumented / unsourced single and/or cumulative deposits over the $10,000 limit within the transaction period will be deducted from the qualifying assets. |  |  |  | Reviewer Comment (2022-12-06): Verified sufficient reserves<br>Seller Comment (2022-12-06): Per final CD, cash to close required $26,254.28 plus 3 months PITIA $$3838.11, total required $30,092.39 to close. <br> We've verified assets from the transaction activities of Wallkill #2842 at $2,604.47, Walden#6265 at $1,119.96, and Walden#9991 at $38,123.90, deducted #6265 cash at $8,500 and #6265 cash at 2,010.00 as UW can't verify. So total asset is $31,338.33, which is sufficient to cover the total required funds to close.<br> Attached Bank statements. | 12/06/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122672058 |  |  |  |  |  |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The effective date of the original appraisal is 9/6/22 however the effective date of the CDA is 8/6/2022 |  |  |  | Reviewer Comment (2022-12-09): Received, Clearing.<br>Seller Comment (2022-12-09): Attached CDA with effective date of 9/6/22 | 12/09/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122672058 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal receipt dated 09/14/2022 however the appraisal signature date is 09/21/2022 provide evidence all copies of appraisal was received by Borrower |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122672058 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122672058 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.37120% or Final Disclosure APR of 9.38200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.89000 + 1.75%, or 7.64000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122672058 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Evidence of appraisal receipt dated prior to appraisal signature date |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122440409 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | File is missing a copy of New York Subprime Counseling Disclosure |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122440409 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | File is missing a copy of New York Subprime Disclosure |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122440409 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | New York Subprime Loan: APR on subject loan of 6.79890% is in excess of allowable threshold of Prime Mortgage Market Rate 4.51000% + 1.75%, or 6.26000%. Non-Compliant SubPrime Loan. | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122440409 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | File is missing a copy of New York Subprime Tax Disclosure |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122440409 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122125409 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122125409 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122125409 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.14370% or Final Disclosure APR of 9.04800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.55000 + 1.75%, or 7.30000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122125409 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122125409 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122155112 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122155112 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | New York Subprime Counseling Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122155112 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122155112 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.21670% or Final Disclosure APR of 8.22400% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 8.21670% or Final Disclosure APR of 8.22400% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122155112 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | Fee was disclosed on LE as $175.00 and on Closing Disclosure as $250.00 . File does not contain a valid Change of Circumstance for the fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $75.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent it the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-08): Sufficient Cure Provided At Closing |  | 11/08/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122155112 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122343884 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122343884 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122343884 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122343884 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.07900% or Final Disclosure APR of 9.08500% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122343884 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122871341 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2022-11-23): Received, cleared<br>Seller Comment (2022-11-23): Flood Certificate | 11/23/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122871341 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122871341 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2023-01-03): Ability to repay performed | 01/03/2023 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122871341 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122871341 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122871341 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.46000% or Final Disclosure APR of 8.46500% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122871341 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Escrowed Property Costs over Year 1 - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 6,332.58 on Final Closing Disclosure provided on 09/29/2022 not accurate. |  |  |  |  | Reviewer Comment (2023-01-03): Letter of Explanation & Corrected Closing Disclosure received<br>Seller Comment (2022-12-30): Please also see attached proof of delivery.<br>Seller Comment (2022-12-29): Please see attached PCCD and LOE. |  | 01/03/2023 |  | 2 C B |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122871341 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122769255 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122769255 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122769255 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.30920% or Final Disclosure APR of 8.31200% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122769255 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Evidence the appraisal was emailed to the borrower on 8/11/2022 however the appraisal is signed 9/6/2022 |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122211673 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Reviewer Comment (2022-12-08): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122211673 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.43460% or Final Disclosure APR of 8.43700% is in excess of allowable threshold of APOR 5.95% + 1.5%, or 7.45000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-12-08): Received, Clearing. | 12/08/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122211673 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | The lender on the appraisal does not match the lender on the note and the signature date of the appraisal is dated post consummation. |  |  |  | Reviewer Comment (2022-12-08): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122211673 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | The appraisal is dated post consummation. |  |  |  | Reviewer Comment (2022-12-08): Received, Clearing.<br>Seller Comment (2022-12-08): Please see attached prior appraisal.<br>Reviewer Comment (2022-12-02): Need the earlier dated appraisal to resolve this exception.<br>Seller Comment (2022-12-02): Please see attached Appraisal Delivery receipt. | 12/08/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122211673 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2022-12-08): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122211673 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2022-12-08): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122211673 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.43460% or Final Disclosure APR of 8.43700% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-08): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122211673 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2022-12-08): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122211673 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal is signed 10/5/2022 however the borrower acknowledged receipt of the appraisal on 9/14/2022 |  |  |  | Reviewer Comment (2022-12-08): Received, Clearing. | 12/08/2022 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122211673 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2022-12-08): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122779256 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | New York Subprime Counseling Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122779256 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Verified Mortgage loan contains a provision that increases interest rate after default. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122779256 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122779256 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.55160% or Final Disclosure APR of 8.62700% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 8.55160% or Final Disclosure APR of 8.62700% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122820594 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122820594 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122820594 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.36340% or Final Disclosure APR of 8.43700% is in excess of allowable threshold of Prime Mortgage Market Rate 5.66000 + 1.75%, or 7.41000%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122820594 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122820594 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-01-18): Client exception received via email. |  |  | 01/18/2023 | 2 C B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122032864 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | New York Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within three days of application. | Evidence of earlier receipt of Counseling Disclosure not found in file |  |  |  | Reviewer Comment (2022-12-06): Replace with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122032864 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122032864 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | New York Subprime Loan: APR on subject loan of 6.63310% is in excess of allowable threshold of Prime Mortgage Market Rate 4.36000% + 1.75%, or 6.11000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122032864 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | Tax Disclosure missing in in file |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122032864 |  |  |  |  |  |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2022-12-14): Received cleared<br>Seller Comment (2022-12-14): Please see attached Master Insurance with lender.<br>Reviewer Comment (2022-12-02): AG will need to approve this as an exception.<br>Seller Comment (2022-12-02): It's co-operative. Some places will not add Quontic on the insurance. | 12/14/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122032864 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122032864 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122614329 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | New York Subprime Counseling Disclosure |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122614329 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122614329 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.64210% or Final Disclosure APR of 8.63700% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 8.64210% or Final Disclosure APR of 8.63700% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2022-12-02): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122614329 |  |  |  |  |  |  | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  | Missing evidence of receipt for all gifts prior to 8/19/2022. ($20,000, $30,000, $20,000, $30,000, $20,000, $20,000, $20,000) |  |  |  | Reviewer Comment (2022-12-02): Received, Clearing.<br>Seller Comment (2022-12-02): Attached receipt of deposits. | 12/02/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122614329 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122843185 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | Lender attestation indicating that (1) the borrower did not qualify for any non-higher-priced loans or (2) the lender does not offer non-higher-priced loans. C B A | Exempt from ATR | Exempt from ATR | No |
| 122843185 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 9.14400% or Final Disclosure APR of 9.20400% is in excess of allowable threshold of APOR 6.38% + 1.5%, or 7.88000%. Non-Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122843185 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122843185 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing a VVOE within 10 days of closing for both borrowers |  |  |  | Reviewer Comment (2022-12-02): Received, cleared<br>Seller Comment (2022-12-02): Attached VVOE for both borrowers. | 12/02/2022 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122462745 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122462745 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122462745 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122462745 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122462745 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.68350% or Final Disclosure APR of 8.75800% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122462745 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $975.00 exceeds tolerance of $800.00. Insufficient or no cure was provided to the borrower. | No COC or Cure was provided to Borrower for tolerance overages |  |  |  | Reviewer Comment (2022-12-02): SitusAMC upon further review there is no tolerance violation of fee.<br>Seller Comment (2022-12-01): Provider for this service is not listed on the SSPL and therefore can change without being subect to a tolerance limit. | 12/02/2022 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122015791 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.71170% or Final Disclosure APR of 9.05600% is in excess of allowable threshold of APOR 6.09% + 1.5%, or 7.59000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-11-22): Received evidence of receipt of earlier appraisal | 11/22/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122015791 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. |  |  |  |  | Reviewer Comment (2022-11-22): Received evidence of receipt of earlier appraisal<br>Seller Comment (2022-11-22): Please see earlier appraisal.<br>Reviewer Comment (2022-11-18): We need the earlier provide appraisal as one we have was report dated post-closing.<br>Seller Comment (2022-11-18): See attached for appraisal delivery letter. | 11/22/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122015791 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2022-11-30): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122015791 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2022-11-30): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122015791 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2022-11-30): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122015791 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2022-11-30): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122015791 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.71170% or Final Disclosure APR of 9.05600% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-11-30): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122015791 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-11-09): Sufficient Cure Provided At Closing |  | 11/09/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122015791 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $25,659.38 exceeds tolerance of $25,630.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-11-09): Sufficient Cure Provided At Closing |  | 11/09/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122015791 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-11-30): Received, Clearing.<br>Seller Comment (2022-11-30): Per final CD, cash to close required $17,353.58 plus 6 months PITIA $40,280.46, total required $57,634.04 to close;<br> We've verified assets from the transaction activity of Chase#6015 at $24,480.37, plus retirement funds (attached) $36,182.34, total asset $60,662.71 is sufficient to cover the total required funds to close.<br> Attached Bank statements and Appraisal and Insurance paid receipt evidencing appraisal fee and insurance premium were paid. | 11/30/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122297318 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. | CDA fee increased from $175.00 to $205.00 without a valid change of circumstance. A Cure for $30.00 was reflected on the final Closing Disclosure. |  |  |  | Reviewer Comment (2022-11-10): Sufficient Cure Provided At Closing |  | 11/10/2022 |  | 1 A |  | AZ | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122297318 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-12-21): Based on 9/20/22 guidelines, exception cleared<br>Reviewer Comment (2022-12-02): Most recent approved guidelines we have is 6/6/22.<br>Seller Comment (2022-12-02): Per CDL guidelines as of 9/20/2022 for Owner Occupied for Cash Reserve Requirement, for LTV less than or equal to 65%, it's 0 months PITIA reserves requirement. LTV for this loan is 54.65%, so no PITIA reserve is required. And per final CD, borrower received $1,796.72 cash-out proceeds. | 12/21/2022 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 122297318 |  |  |  |  |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2022-12-22): Received, Clearing.<br>Seller Comment (2022-12-22): Appraisal fee and insurance premium were paid as per attached paid receipt.<br>Reviewer Comment (2022-12-02): Most recent approved guidelines we have is 6/6/22.<br>Seller Comment (2022-12-02): Per CDL guidelines as of 9/20/2022 for Owner Occupied for Cash Reserve Requirement, for LTV less than or equal to 65%, it's 0 months PITIA reserves requirement. LTV for this loan is 54.65%, so no PITIA reserve is required. And per final CD, borrower received $1,796.72 cash-out proceeds. | 12/22/2022 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 122297318 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | AZ | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 122751367 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2022-12-01): Received, Clearing.<br>Seller Comment (2022-12-01): Attached Fraud report | 12/01/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122751367 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.34700% or Final Disclosure APR of 8.41800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.66000 + 1.75%, or 7.41000%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122751367 |  |  |  |  |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. |  | Borrower started current position on 2/8/21. Missing previous employment verification for a complete 2 years |  |  |  | Reviewer Comment (2022-12-01): Received, Clearing.<br>Seller Comment (2022-12-01): Attached VOE for previous employment for more than 2 years. | 12/01/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122751367 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal receipt date is 8/8/2022 however the report signature date is 8/16/2022 |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122751367 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122751367 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.34700% or Final Disclosure APR of 8.41800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.66000 + 1.75%, or 7.41000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122945711 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2022-11-17): Received, Clearing.<br>Seller Comment (2022-11-17): Dwelling coverage is sufficient to cover the replacement cost per attached RCE. | 11/17/2022 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122945711 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2022-11-17): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122945711 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2022-11-17): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122945711 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2022-11-17): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122945711 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.38360% or Final Disclosure APR of 9.44600% is in excess of allowable threshold of Prime Mortgage Market Rate 5.89000 + 1.75%, or 7.64000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-11-17): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122945711 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2022-11-17): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122945711 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122998968 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-12-21): Based on 9/22/22 guidelines, exception cleared<br>Reviewer Comment (2022-12-12): Pending receipt of new guidelines.<br>Seller Comment (2022-12-09): QB sent over most recent CDL guidelines to AG , AG will take care of it. <br> Also, please see attached 1008- UW's comments, this loan is used guideline as of 9/20/2022.<br>Reviewer Comment (2022-12-07): Most recent AG approved guidelines were dated 7/13/22. Exception is set based on approved guidelines.<br>Seller Comment (2022-12-07): This loan was closed on 10/6/2022, so we used the most current CDL guidelines as of 9/20/2022. Per guidelines as attached, it required 3 months PITIA reserve for LTV greater than 65%, this loan has LTV 80%. So calculated PITIA months reserves of 3.20 per comment is sufficient and meet our guidelines. | 12/21/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122998968 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122998968 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122998968 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.06170% or Final Disclosure APR of 9.13500% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122998968 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122998968 |  |  |  |  |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | The borrower's VISA expired on 01/23/2022. |  |  |  | Reviewer Comment (2022-12-05): Automatic extension<br>Seller Comment (2022-12-05): EAD card expired on 1/23/2022, and it automatically extended for 180 days, also, temporary increase to up to 540 days as per attached. So it is still valid at closing. | 12/05/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122998968 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | Missing source of large deposit in the amount of $212,000 |  |  |  | Reviewer Comment (2022-12-05): Received, Clearing.<br>Seller Comment (2022-12-05): Attached $212,000 cancelled check and Explanation letter are evidencing the source of $212,000 was from borrower's another bank account. | 12/05/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122998968 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2023-01-09): Sufficient Cure Provided At Closing |  | 01/09/2023 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122373908 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.02330% or Final Disclosure APR of 8.08000% is in excess of allowable threshold of APOR 6.09% + 1.5%, or 7.59000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-12-08): Received, Clearing. | 12/08/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122373908 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | The appraisal on file is signed by the appraiser post consummation. |  |  |  | Reviewer Comment (2022-12-08): Received, Clearing.<br>Seller Comment (2022-12-08): Please see attached prior appraisal.<br>Reviewer Comment (2022-12-06): Appraisal receipt is dated 9/7 and the report date is 10/11. Need the appraisal delivered with the 9/7 receipt.<br>Seller Comment (2022-12-06): Please see attached email for appraisal delivery. | 12/08/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122373908 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  | Reviewer Comment (2022-12-08): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122373908 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) | This is a Co-op Loan. There are no taxes paid by the borrower. |  |  |  | Reviewer Comment (2022-12-08): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122373908 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.02330% or Final Disclosure APR of 8.08000% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-08): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122373908 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2022-12-08): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122104809 |  |  |  |  |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122104809 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence the appraisal was received by the borrower prior to 3 days of consummation is missing |  |  |  | Reviewer Comment (2022-12-05): Received evidence of appraisal receipt | 12/05/2022 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122104809 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.91860% or Final Disclosure APR of 9.10800% is in excess of allowable threshold of APOR 5.20% + 1.5%, or 6.70000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-12-05): Received evidence of appraisal receipt | 12/05/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122104809 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence the appraisal was received by the borrower prior to 3 days of consummation is missing |  |  |  | Reviewer Comment (2022-12-05): Received initial signed/dated 1003<br>Seller Comment (2022-12-05): Please see attached Appraisal and CDA delivery letters. | 12/05/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122104809 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122104809 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122104809 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122104809 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122104809 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.91860% or Final Disclosure APR of 9.10800% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122104809 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122104809 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | The file is missing a copy of the signed and dated initial application. |  |  |  | Reviewer Comment (2022-12-05): Received initial signed/dated 1003<br>Seller Comment (2022-12-05): Please see attached 1003 for loan application date. | 12/05/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122104809 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/06/2022 which is 1 months prior to consummation. A lookback was performed to determine this application date. | The file is missing a copy of the signed and dated initial application. |  |  |  | Reviewer Comment (2022-12-05): Received initial signed/dated 1003 | 12/05/2022 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122104809 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Received evidence of appraisal receipt dated 7/27/2022 however the appraisal is signed 9/07/2022 |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122061307 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2022-12-06): Clearing after re-review. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122061307 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122061307 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122061307 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122061307 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.91540% or Final Disclosure APR of 8.98900% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122061307 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122061307 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,250.00 exceeds tolerance of $625.00. Insufficient or no cure was provided to the borrower. | No valid change in circumstance for fee increase |  |  |  | Reviewer Comment (2022-12-22): SitusAMC Received CD dated 12/21/2022 along with copy of check, LOE an Proof of mailing.<br>Seller Comment (2022-12-21): See attached PCCD, LOE, Proof of mailing, Proof of delivery |  | 12/22/2022 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122061307 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $330.00 exceeds tolerance of $205.00. Insufficient or no cure was provided to the borrower. | No valid change in circumstance for fee increase |  |  |  | Reviewer Comment (2022-12-22): SitusAMC Received CD dated 12/21/2022 along with copy of check, LOE an Proof of mailing.<br>Seller Comment (2022-12-21): See attached PCCD, LOE, Proof of mailing, Proof of delivery |  | 12/22/2022 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122400646 |  |  |  |  |  |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. |  | Borrower Employment Authorization was expired on 11/07/2021, please provide a replacement card with the valid date |  |  |  | Reviewer Comment (2022-12-02): Employment authorization extended 540 days per final rule<br>Seller Comment (2022-12-02): EAD card expired on 11/17/22. After 540 days automatic extension per attached , it's still valid at Noted date of 10/6/2022. | 12/02/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122400646 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal FACTA Disclosure was not provided |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122400646 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122400646 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.61090% or Final Disclosure APR of 9.69100% is in excess of allowable threshold of Prime Mortgage Market Rate 5.89000 + 1.75%, or 7.64000%. Non-Compliant SubPrime Loan. | APR on subject loan of 9.61090% or Final Disclosure APR of 9.69100% is in excess of allowable threshold of Prime Mortgage Market Rate 5.89000 + 1.75%, or 7.64000% |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122203644 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verified No receipt of Appraisal in file Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2022-11-18): Received, Clearing. | 11/18/2022 |  |  | 1 B A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122203644 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.70700% or Final Disclosure APR of 9.79100% is in excess of allowable threshold of APOR 6.09% + 1.5%, or 7.59000%. Non-Compliant Higher Priced Mortgage Loan. | Verified APR on subject loan of 9.70700% or Final Disclosure APR of 9.79100% is in excess of allowable threshold of APOR 6.09% + 1.5%, or 7.59000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2022-11-18): Received, Clearing. | 11/18/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122203644 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2022-11-18): Received, Clearing.<br>Seller Comment (2022-11-18): See attached for Appraisal and CDA letter | 11/18/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122203644 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | New York Subprime Counseling Disclosure missing in file. |  |  |  | Reviewer Comment (2022-11-18): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122203644 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure missing in file. |  |  |  | Reviewer Comment (2022-11-18): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122203644 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.70700% or Final Disclosure APR of 9.79100% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 9.70700% or Final Disclosure APR of 9.79100% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2022-11-18): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122203644 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Creditor did not provide Appraisals to the Borrower. Receipt of Appraisal missing in file. |  |  |  | Reviewer Comment (2022-11-18): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122203644 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122093712 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | Subprime Counseling Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122093712 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122093712 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.80690% or Final Disclosure APR of 8.87400% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 8.80690% or Final Disclosure APR of 8.87400% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122093712 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122633024 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal receipt dated 07/14/2022 however the appraisal signature date is 09/28/2022 provide evidence all copies of appraisal was received by Borrower |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122633024 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122633024 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122633024 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122633024 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.02030% or Final Disclosure APR of 9.09000% is in excess of allowable threshold of Prime Mortgage Market Rate 6.70000 + 1.75%, or 8.45000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122529607 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122529607 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122529607 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.07420% or Final Disclosure APR of 9.13400% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122529607 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122977576 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-12-21): Based on 9/22/22 guidelines, exception cleared<br>Reviewer Comment (2022-12-06): Guideline is based on application date for this review. Based on 7/13/22 guidelines, a loan amount between $500,001-$1,500,000 requires 6 months PITIA. Exception remains<br>Seller Comment (2022-12-06): This loan was closed on 10/12/2022, so we used attached CDL guidelines as of 9/22/2022. Per attached guidelines, it required 3 months PITIA reserve for LTV greater than 65%. This loan has LTV 80%, so calculated PITIA months reserves of 4.06 meet our guidelines PITIA months reserves of 3. | 12/21/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122977576 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2022-12-06): Clearing after re-review. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122977576 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122977576 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122977576 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.28180% or Final Disclosure APR of 9.34900% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122977576 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122977576 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122156400 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.80510% or Final Disclosure APR of 8.85900% is in excess of allowable threshold of APOR 6.09% + 2.5%, or 8.59000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-12-08): Received, Clearing. | 12/08/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122156400 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | Appraisal in the file is report dated after closing. |  |  |  | Reviewer Comment (2022-12-08): Received, Clearing.<br>Seller Comment (2022-12-08): Please see attached prior appraisal.<br>Reviewer Comment (2022-12-02): Need the earlier dated appraisal that was provided with the confirmations.<br>Seller Comment (2022-12-02): Please see attached Appraisal Delivery letter | 12/08/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122156400 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2022-12-08): Received, Clearing.<br>Seller Comment (2022-12-08): Please see attached prior Appraisal<br>Reviewer Comment (2022-12-02): Need the earlier dated appraisal that was provided with the confirmations.<br>Seller Comment (2022-12-02): Please see the copy of the appraisal and CDa delivery letters | 12/08/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122156400 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing a copy of the required documentation. |  |  |  | Reviewer Comment (2022-12-08): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122156400 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $1,200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | The borrower was not provided with a COC. |  |  |  | Reviewer Comment (2022-11-15): Sufficient Cure Provided At Closing |  | 11/15/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122156400 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $620,000 is insufficient to cover the mortgage amount of $975,000. Please provide a letter from the insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-12-02): Received, Clearing.<br>Seller Comment (2022-12-02): Dwelling coverage is sufficient to cover RCE per attached. | 12/02/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122947494 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.78380% or Final Disclosure APR of 8.83500% is in excess of allowable threshold of Prime Mortgage Market Rate 6.70000 + 1.75%, or 8.45000%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122947494 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122947494 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122947494 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.78380% or Final Disclosure APR of 8.83500% is in excess of allowable threshold of Prime Mortgage Market Rate 6.70000 + 1.75%, or 8.45000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122947494 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122720563 |  |  |  |  |  |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Missing gift letter, donor availability and deposit receipt for $21,000 gift |  |  |  | Reviewer Comment (2022-12-05): Received, Clearing.<br>Seller Comment (2022-12-05): There is no $27,000 deposit. Only $27,000 EMD. Attached $27,000 EMD cancelled check is evidencing the source of EMD. | 12/05/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122720563 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | New York Subprime Counseling Disclosure missing in file. |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122720563 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure missing in file. |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122720563 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) | Taxes not required to be paid by Borrower. |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122720563 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.90750% or Final Disclosure APR of 8.95700% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 8.90750% or Final Disclosure APR of 8.95700% is in excess of allowable threshold of Prime Mortgage Market Rate 6.02000 + 1.75%, or 7.77000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122720563 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122720563 |  |  |  |  |  |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  |  |  |  |  | Reviewer Comment (2022-12-05): Received, Clearing.<br>Seller Comment (2022-12-05): It's co-operative. We never require H06 on Co-ops, and we align with FNMA here | 12/05/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122720563 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122134437 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122134437 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122134437 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122134437 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122134437 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122134437 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 10.20210% or Final Disclosure APR of 10.26300% is in excess of allowable threshold of Prime Mortgage Market Rate 6.70000 + 1.75%, or 8.45000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122134437 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122858379 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122858379 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.27030% or Final Disclosure APR of 9.32500% is in excess of allowable threshold of Prime Mortgage Market Rate 6.66000 + 1.75%, or 8.41000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122858379 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122858379 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122310114 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122310114 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.22550% or Final Disclosure APR of 8.26900% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122310114 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-11-14): Sufficient Cure Provided At Closing |  | 11/14/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122305414 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2022-12-05): Received, Clearing.<br>Seller Comment (2022-12-05): The subject property is located in FL. It's no required RCE per law. Attached dwelling coverage is including 100% replacement cost, which is sufficient. | 12/05/2022 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122305414 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/14/2022 did not disclose Amount of Non-Escrowed Property Costs over Year 1. |  |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122305414 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 11,287.43 on Final Closing Disclosure provided on 10/14/2022 not accurate. |  |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122520614 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2022-12-19): Received, Clearing.<br>Seller Comment (2022-12-19): Please see attached final appraisal. | 12/19/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122520614 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | New York Subprime Counseling Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122520614 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122520614 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) | Taxes are included in maintenance and special assessment. New York Subprime Escrow Account missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122520614 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.02070% or Final Disclosure APR of 9.06300% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 9.02070% or Final Disclosure APR of 9.06300% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122520614 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | New York Subprime Tax Disclosure missing in file |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122520614 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Second receipt of appraisal missing on file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122520614 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122855996 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Disaster Inspection Fee. Fee Amount of $45.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Borrower was not provided with a COC |  |  |  | Reviewer Comment (2022-12-28): SitusAMC received valid COC dated 9/30/2022.<br>Seller Comment (2022-12-28): Disaster fee was added due to Hurricane Ian that hit the property area on September 30th.<br>Reviewer Comment (2022-12-06): SitusAMC received Changed Circumstance dated 09/30/2022, but it does not give sufficient information on why the Disaster Inspection fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added 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>Seller Comment (2022-12-05): Please see attached COC for Disaster fee that was provided | 12/28/2022 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes |
| 122855996 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $206,000 is insufficient to cover the mortgage amount of $296,250. Please provide a letter from the insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. |  |  |  | Reviewer Comment (2022-12-05): Received, Clearing.<br>Seller Comment (2022-12-05): The subject property is located in FL. It's no required RCE per law. Attached dwelling coverage is including replacement cost, which is sufficient | 12/05/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 122026017 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2022-12-06): Clearing after re-review. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122026017 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122026017 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122026017 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122026017 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.87930% or Final Disclosure APR of 8.91800% is in excess of allowable threshold of Prime Mortgage Market Rate 4.99000 + 1.75%, or 6.74000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122026017 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122619373 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122619373 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122619373 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.12260% or Final Disclosure APR of 9.16300% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122619373 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122691551 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122691551 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122691551 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122691551 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.53340% or Final Disclosure APR of 9.57600% is in excess of allowable threshold of Prime Mortgage Market Rate 6.70000 + 1.75%, or 8.45000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-05): Accepted as is. |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122691551 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2022-12-05): Received, Clearing.<br>Seller Comment (2022-12-05): Dwelling coverage is sufficient to cover the replacement cost per attached RCE. | 12/05/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122691551 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122717053 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.23920% or Final Disclosure APR of 10.29200% is in excess of allowable threshold of APOR 6.74% + 1.5%, or 8.24000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-12-28): Safe Harbor test cured.<br>Seller Comment (2022-12-27): Related Condition was cleared for this file. | 12/28/2022 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122717053 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor requirements was not satisfied. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | SC | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122717053 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. | Flipped Property - Creditor improperly charged consumer for two (2) appraisals. |  |  |  | Reviewer Comment (2022-12-27): Received evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter)<br>Seller Comment (2022-12-21): See attached PCCD, LOE, Proof of mailing, Proof of delivery |  | 12/27/2022 |  | 2 C B |  | SC | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) B A | Exempt from ATR | Exempt from ATR | Yes |
| 122717053 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Test | South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Borrower was not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  | Reviewer Comment (2022-12-07): Received, Clearing.<br>Seller Comment (2022-12-07): Please see attached Disclosure | 12/07/2022 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122717053 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2022-12-08): Received, cleared<br>Seller Comment (2022-12-08): Please see attached VOE for previous employment. Borrower's previous employer is XXXX Inc, the employer information (XXXX) listed at the top of Prior VOE is a typo error. But we have validated this info with the reverse phone number search for the signing party showing their association with XXXX Inc (attached Google search for phone # for XXXX Inc).<br> Also, please see attached LP Certificate for this typo error. | 12/08/2022 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122816087 |  |  |  |  |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-01-18): Client exception received via email. |  |  | 01/18/2023 | 2 C B |  | RI | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122816087 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. |  |  |  |  |  | 12/06/2022 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122816087 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. |  |  |  |  |  | 12/27/2022 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122816087 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. |  |  |  |  |  | 12/06/2022 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122816087 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) | Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months. |  |  |  |  |  | 12/06/2022 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122816087 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island High Cost Analysis Timing | Rhode Island Home Loan: High-cost Analysis not documented and substantiated prior to closing of the loan. |  |  |  |  |  | 12/29/2022 |  |  | 1 A |  | RI | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 122785700 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 9.16210% or Final Disclosure APR of 9.22800% is in excess of allowable threshold of Prime Mortgage Market Rate 6.70000 + 1.75%, or 8.45000%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122785700 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $775.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-11-10): Sufficient Cure Provided At Closing |  | 11/10/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122785700 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/20/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 10/27/2022). | Disclosure reflects TOP of $1,805,556.21 but calculated TOP of $1,806,566.21. Variance = $1,000.00. |  |  |  | Reviewer Comment (2022-12-23): SitusAMC received Letter of Explanation, Copy of cure refund, proof of mailing & Corrected Closing Disclosure.<br>Seller Comment (2022-12-21): Please see attached PCCD, LOE, copy of check and proof of delivery. |  | 12/23/2022 |  | 2 C B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Exempt from ATR | Exempt from ATR | Yes |
| 122785700 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122785700 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122785700 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.16210% or Final Disclosure APR of 9.22800% is in excess of allowable threshold of Prime Mortgage Market Rate 6.70000 + 1.75%, or 8.45000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122785700 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122155800 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | New York Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  | Reviewer Comment (2022-12-06): Clearing after re-review. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122155800 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122155800 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122155800 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.94520% or Final Disclosure APR of 10.01300% is in excess of allowable threshold of Prime Mortgage Market Rate 6.66000 + 1.75%, or 8.41000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122155800 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122155800 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $51.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | No valid change in circumstance for fee increase |  |  |  | Reviewer Comment (2022-12-28): SitusAMC received Ledner detailed comment with supporting Transfer letter along with received Property Condition Report in original file.<br>Seller Comment (2022-12-27): Please refer to the PCI report that was in the original uploaded file. Delivery date was shown as 10/09, the COC for this change was provided within 3 business days of that delivery date.<br>Reviewer Comment (2022-12-06): SitusAMC received Appraisal Transfer Form which is dated 10/04 but PCI fees were added on 10/12/22 which is more than 3 business days from change. In order to determine if the changed circumstance is valid more information is necessary 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>Seller Comment (2022-12-05): Please see attached Appraisal Transfer Form. PCI fee was added as a result of the transfer | 12/28/2022 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122155800 |  |  |  |  |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2022-12-06): CPA letter received<br>Seller Comment (2022-12-06): Please see attached. page# 2 is CPA letter in Quontic form. | 12/06/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122155800 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122301937 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | File is missing a copy of New York Subprime Loan |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122301937 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | File is missing a copy of New York Subprime Loan |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122301937 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | File is missing a copy of New York Subprime Loan |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122301937 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | New York Subprime Loan: APR on subject loan of 7.30630% is in excess of allowable threshold of Prime Mortgage Market Rate 5.30000% + 1.75%, or 7.05000%. Non-Compliant SubPrime Loan. | Loan is identified as higher priced mortgage. New York Subprime Loan: APR on subject loan of 7.69020% is in excess of allowable threshold of Prime Mortgage Market Rate 5.30000% + 1.75%, or 7.05000%. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122301937 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | File is missing a copy of Notice of Taxes and Insurance |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122301937 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  | Reviewer Comment (2022-12-06): Received, cleared<br>Seller Comment (2022-12-06): Please see attached ARM Disclosures for the borrowers. | 12/06/2022 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure B A | Exempt from ATR | Exempt from ATR | No |
| 122301937 |  |  |  |  |  |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | Credit Report date is more than 90 days prior to the note date or notary date. |  |  |  | Reviewer Comment (2022-12-06): Received, cleared<br>Seller Comment (2022-12-06): Please see attached credit reports for both borrowers, which is within 90 days of note date. | 12/06/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122301937 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) | File is missing a copy of New York Subprime Escrow Account |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122558439 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122558439 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.00330% or Final Disclosure APR of 9.02600% is in excess of allowable threshold of Prime Mortgage Market Rate 6.66000 + 1.75%, or 8.41000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122716734 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122716734 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 10.59480% or Final Disclosure APR of 10.62400% is in excess of allowable threshold of Prime Mortgage Market Rate 6.66000 + 1.75%, or 8.41000%. Non-Compliant SubPrime Loan. | APR on subject loan of 10.59480% or Final Disclosure APR of 10.62400% is in excess of allowable threshold of Prime Mortgage Market Rate 6.66000 + 1.75%, or 8.41000% |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122716734 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $466.00 exceeds tolerance of $407.00 plus 10% or $447.70. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $466.00 exceeds tolerance of $407.00 plus 10% or $447.70 paid was valid |  |  |  | Reviewer Comment (2022-11-14): Sufficient Cure Provided At Closing |  | 11/14/2022 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes |
| 122235626 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | New York Subprime Counseling Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122235626 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Disclosure missing in file. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122235626 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 10.33600% or Final Disclosure APR of 10.36400% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. | Verified APR on subject loan of 10.33600% or Final Disclosure APR of 10.36400% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122235626 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122870631 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122870631 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122870631 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 9.57850% or Final Disclosure APR of 9.60000% is in excess of allowable threshold of Prime Mortgage Market Rate 6.29000 + 1.75%, or 8.04000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122870631 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122569952 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122569952 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | File is missing a copy New York Subprime Tax Disclosure |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122569952 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.93330% or Final Disclosure APR of 8.95200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000%. Non-Compliant SubPrime Loan. | Loan is identified to be Non-Compliant SubPrime loan. New York Subprime Loan: APR on subject loan of 8.93330% or Final Disclosure APR of 8.95200% is in excess of allowable threshold of Prime Mortgage Market Rate 5.13000 + 1.75%, or 6.88000% |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122569952 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) | This is a co-op so there is no escrow account provided. |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122569952 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified assets in the amount of $11,778.68 are insufficient to meet reserves requirement of $11,882.61. |  |  |  | Reviewer Comment (2022-12-16): Received, Clearing.<br>Seller Comment (2022-12-16): Attached appraisal paid receipt, appraisal fee was paid.<br>Reviewer Comment (2022-12-07): Need proof appraisal was paid POC.<br>Seller Comment (2022-12-07): Per final CD, cash to close required $86,080.45 plus 3 months PITIA $11,882.61, total required $97,963.06 to close;<br> We've verified assets from the transaction activities of TD#4157 at $87,362.87 and TD#5432 at $11,121.26, total asset is $98,484.13, which is sufficient to cover the total required funds to close.<br> Attached Bank statements and EMD check and Bank Statement of TD#4157 reflecting the withdrawal that evidencing the source of EMD. | 12/16/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122569952 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122660405 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.54450% or Final Disclosure APR of 8.56300% is in excess of allowable threshold of Prime Mortgage Market Rate 6.66000 + 1.75%, or 8.41000%. Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2022-12-06): Replaced with updated. | 12/06/2022 |  |  | 1 B A |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122660405 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122660405 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122660405 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.54450% or Final Disclosure APR of 8.56300% is in excess of allowable threshold of Prime Mortgage Market Rate 6.66000 + 1.75%, or 8.41000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122660405 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122830399 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 122830399 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Aggregate Payment Disclosure Not Provided) | New York High-Cost Loan: Borrower not provided with Aggregate Monthly Payment Disclosure statement. |  |  |  |  | Reviewer Comment (2022-12-20): PCCD reflected fee was paid to HOA and was not a finance charge. | 12/20/2022 |  |  | 1 C A |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122830399 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New York High-Cost Loan (Shop Around Notice Not on Loan Application) | New York High-Cost Loan: Mandatory "Shop Around" Notice not included on loan application to applicant. |  |  |  |  | Reviewer Comment (2022-12-20): PCCD reflected fee was paid to HOA and was not a finance charge.<br>Reviewer Comment (2022-12-06): SSPL is on file. Missing the New York High-Cost Loan: Mandatory "Shop Around" notice. Exception remains.<br>Seller Comment (2022-12-06): Please see attached SSPL | 12/20/2022 |  |  | 1 C A |  | NY | Primary | Purchase | No obvious cure C B A | Exempt from ATR | Exempt from ATR | No |
| 122830399 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New York High-Cost Loan (Points and Fees) | New York Anti-Predatory Lending Statute: Points and Fees on subject loan of 5.25000% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $21,000.00 on a Total Loan Amount of $400,000.00 vs. an allowable total of $20,000.00 (an overage of $1,000.00 or .25000%). Non-Compliant High Cost Loan. | Points and fees exceed maximum threshold of 5% by .25% an overage of $1000.00. |  |  |  | Reviewer Comment (2022-12-20): PCCD reflected fee was paid to HOA and was not a finance charge.<br>Seller Comment (2022-12-20): Please see attached PCCD to see the $5,000 management fee belongs in section H. This management fee is for the Condo Capital Reserve Funds, This fee should not be listed as an Administration fee and should not be taken into consideration for the State calculations. Removing this fee lowers the calculated fees to $16,000, under the max threshold. | 12/20/2022 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | Yes |
| 122830399 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New York High-Cost Loan (Provision Increasing Rate After Default) | New York High-Cost Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2022-12-20): PCCD reflected fee was paid to HOA and was not a finance charge. | 12/20/2022 |  |  | 1 A |  | NY | Primary | Purchase | Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted.<br>(Narrow Defense - CHD Approval Required) Within 60 days of discovery, and prior to lender receiving any notice from borrower of the compliance failure, provide: (1) Lender Attestation to AMC confirming (a) no action or receipt of written notice of failure has been received; and (b) the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made (specific explanation about high-cost loan was made despite controls is required); (2) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (3) Assuming option 2(a) is selected, a copy of refund check and proof of mailing; (3) Assuming option 2(b) is selected, proof of cure for each of the prohibited practice violations noted. B | Exempt from ATR | Exempt from ATR | No |
| 122830399 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $1,345.82 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Fee Amount of $1,345.82 exceeds tolerance of $0.00. |  |  |  | Reviewer Comment (2022-12-28): SitusAMC: Upon further review consumer within 0% tolerance requirements.<br>Seller Comment (2022-12-27): Provider for this service was not listed on the SSPL and therefore can change without being subject to a tolerance limit. | 12/28/2022 |  |  | 1 A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122830399 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closer Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Fee Amount of $1,345.82 exceeds tolerance of $0.00. |  |  |  | Reviewer Comment (2022-12-28): SitusAMC: Upon further review consumer within 0% tolerance requirements.<br>Seller Comment (2022-12-27): Provider for this service was not listed on the SSPL and therefore can change without being subject to a tolerance limit. | 12/28/2022 |  |  | 1 A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 122087561 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| 122087561 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122087561 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Exempt from ATR | Exempt from ATR | Yes |
| 122087561 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.41460% or Final Disclosure APR of 8.43200% is in excess of allowable threshold of Prime Mortgage Market Rate 6.66000 + 1.75%, or 8.41000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122087561 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 122087561 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. |  |  |  |  | Reviewer Comment (2023-01-09): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. B A | Exempt from ATR | Exempt from ATR | Yes |
| 122166315 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 10/28/2022 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | There are no seller fees listed on the final CD. |  |  |  | Reviewer Comment (2022-12-20): Seller CD was not provided, utilized ALTA Settlement Statement to confirm seller paid costs.<br>Reviewer Comment (2022-12-20): Re-open to correct status to cleared<br>Reviewer Comment (2022-11-29): Settlement statement provided in original file<br>Reviewer Comment (2022-11-29): reopen to cancel<br>Reviewer Comment (2022-11-29): SitusAMC received Seller closing statement..<br>Seller Comment (2022-11-23): Comment from XXXX (XXXX): Seller Settlement Statement was provided in the previous response. Signed as true and certified by Title<br>Reviewer Comment (2022-11-22): SitusAMC received final CD and Borrower's settlement statement. There is no correlation for not including the seller paid fees. We will accept an updated CD with seller paid fees and LOE or another document that outlines seller paid fees (typically Seller CD or Seller Settlement Statement) Sales contract appears to show there would have been seller paid costs associated with this transaction and at a minimum commission to realtors.<br>Seller Comment (2022-11-18): Comment from XXXX (XXXX): Response: Seller paid fees are not required to be disclosed on the Borrower CD - a Seller Settlement Statement and/or CD is acceptable documentation. The attached Final Executed CD is located in Loan Doc Review folder - Pages 1049-1054, Estimated Alta Executed/Certified Buyer FSS - Pages 937-939 & Estimated Alta Executed/Certified Seller FSS - Pages 924-925. The Estimated Alta Settlement Statements are executed and certified and match the fees and calculations on Executed Final CD. The final was not located, however, since the fees and calculations match, this should suffice and clear the exception. | 12/20/2022 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 122388173 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | Texas Constitution Section 50(a)(6): Unable to determine if loan was closed at an authorized location due to missing documentation. |  |  |  |  | Reviewer Comment (2022-11-15): Accepted as is. |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B A | Non QM | Non QM | No |
| 122452159 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $51.00 exceeds tolerance of $46.00 plus 10% or $50.60. Sufficient or excess cure was provided to the borrower at Closing. | The 10% threshold for recording fee increased from $50.60 to $51.00 without a valid change of circumstance. A Cure for $0.40 was reflected on the final Closing Disclosure. |  |  |  | Reviewer Comment (2022-11-11): Sufficient Cure Provided At Closing |  | 11/11/2022 |  | 1 A |  | MS | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122452159 |  |  |  |  |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. |  | Missing verification of previous employment for a complete 2 year history |  |  |  | Reviewer Comment (2022-11-21): 2021 tax returns received<br>Seller Comment (2022-11-21): Comment from XXXX (XXXX): 2021 returns to complete the 2 year history<br>Reviewer Comment (2022-11-15): Only 2020 returns are in the file and that doesn't reflect a 2 years history.<br>Buyer Comment (2022-11-15): Comment from XXXX (XXXX): The borrower was previously self-employed as a notary. Please see 2021 and 2020 Tax Returns in the file starting on page 238 along with Letter from current employment on page 235. | 11/21/2022 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122959748 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 98.88 on Final Closing Disclosure provided on 11/02/2022 not accurate. | Amount of Non-Escrowed Property Costs over Year 1 is inaccurate |  |  |  | Reviewer Comment (2023-01-06): Accepted as is |  |  |  | 2 B |  | MI | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122581091 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | HOA was not added to the initial escrow account. |  |  |  | Reviewer Comment (2023-01-06): Accepted as is |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | Yes |
| 122049069 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $2,897.50 exceeds tolerance of $2,550.00. Insufficient or no cure was provided to the borrower. | No COC or Cure was provided to Borrower for tolerance overages |  |  |  | Reviewer Comment (2022-11-22): Upon further review consumer within 0% tolerance requirements.<br>Seller Comment (2022-11-21): Comment from XXXX (XXXX): Response: There is no tolerance violation on this transaction. The title fees are not subject to tolerance - see SSP attached - the borrower did not choose the providers listed - they shopped the fees. Please see Description of Change on COC attached to the Final LE 10/19/22 - states Title Services Shopped. Invalid exception. | 11/22/2022 |  |  | 1 C A |  | FL | 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 |
| 122437956 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/29/22 | SitusAMC | Reviewer Comment (2022-11-15): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | 11/15/2022 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 122472626 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing. | Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing. |  |  |  | Reviewer Comment (2022-11-28): Received evidence application sent to borrower at least 1 day prior to closing<br>Seller Comment (2022-11-23): Comment from XXXX (XXXX): Please see attached copy of final loan application signed and dated by borrowers evidencing receipt at least 1 business day prior to consummation | 11/28/2022 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A | Non QM | Non QM | Yes |
| 122762903 |  |  |  |  |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title policy amount is less than original loan amount |  |  |  | Reviewer Comment (2022-12-01): Received, cleared<br>Seller Comment (2022-12-01): Comment from XXXX (XXXX): Attached in Title Endorsement for the Insured Amount of 284,500.00 | 12/01/2022 |  |  | 1 B A |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 122340713 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.41690% or Final Disclosure APR of 8.44300% is in excess of allowable threshold of APOR 5.58% + 1.5%, or 7.08000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-12-01): Exception cleared with attestation from LO and loan detail report supporting application date of 7/19/22<br>Seller Comment (2022-11-30): Comment from XXXX (XXXX): : Initial Signed LE located Loan Doc Review folder - Pages 13-15 - see attached - lists Appraisal with verbiage acceptable for Appraisal Disclosure on page 3 of LE. Disclosure was provided within 3 business days of application - signed by the borrower 7/20/22<br>Reviewer Comment (2022-11-30): This is NQM but non-compliant is due to file does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br>Buyer Comment (2022-11-30): Comment from XXXX (XXXX): Valid finding, please restate as NQM | 12/01/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122340713 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  |  |  |  | Reviewer Comment (2022-12-01): Exception cleared with attestation from LO and loan detail report supporting application date of 7/19/22<br>Reviewer Comment (2022-12-01): SitusAMC has received LOE from Loan Officer confirming application date is 07/19. An acknowledgement form borrower is required confirming the application date.<br>Seller Comment (2022-11-30): Comment from XXXX (XXXX): : See attached Initial Application - signed borrower electronically 7/20/22 on Page 7 - located in Loan Doc Review folder - pages 1-12. Initial LE attached - issued 7/19/22, signed by borrower electronically 7/20/22. There is no timing issue - LE was delivered electronically within 3 business days of application. Also, see attached LOE from the Loan Officer regarding the application date. | 12/01/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122340713 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $214.00 exceeds tolerance of $155.00 plus 10% or $170.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-11-15): Sufficient Cure Provided At Closing |  | 11/15/2022 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122340713 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,130.80 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-11-15): Sufficient Cure Provided At Closing |  | 11/15/2022 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122340713 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Missing evidence of appraisal delivery in file. |  |  |  | Reviewer Comment (2022-12-01): Exception cleared with attestation from LO and loan detail report supporting application date of 7/19/22 | 12/01/2022 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | Yes |
| 122340713 |  |  |  |  |  |  | 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 3 days of the loan application date. | Missing evidence of appraisal delivery in file. |  |  |  | Reviewer Comment (2022-12-01): Exception cleared with attestation from LO and loan detail report supporting application date of 7/19/22 | 12/01/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122340713 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within 3 business days of the loan application |  |  |  | Reviewer Comment (2022-12-01): Exception cleared with attestation from LO and loan detail report supporting application date of 7/19/22 | 12/01/2022 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122388372 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2022-12-09): Appraisal acknowledgment signed at closing received | 12/09/2022 |  |  | 1 B A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 122388372 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.07680% or Final Disclosure APR of 0.00000% is in excess of allowable threshold of APOR 7.00% + 1.5%, or 8.50000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-12-09): Appraisal acknowledgment signed at closing received<br>Buyer Comment (2022-12-09): Comment from XXXX (XXXX): This exception is linked to the HPML Appraisal Rule - 27315196 - and should clear once the other exception is cleared. | 12/09/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 122388372 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2022-12-09): Appraisal acknowledgment signed at closing received<br>Seller Comment (2022-12-09): Comment from XXXX (XXXX): There was only one appraisal on 11/2 - delivered to the borrower 11/2 per attached e-mail acknowledgement. The other 2 appraisals had non-material updates - sales price and seller concessions added, which do not require Arc to provide proof of delivery. We should be able to clear this exception with the attached proof of delivery. | 12/09/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 122388372 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/14/2022 used as disbursement date for compliance testing. |  |  |  |  | Reviewer Comment (2022-12-09): SitusAMC received CDs. | 12/09/2022 |  |  | 1 B A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 122388372 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2022-12-22): Received, Clearing.<br>Seller Comment (2022-12-22): Comment from XXXX (XXXX): IEAD was signed at closing | 12/22/2022 |  |  | 1 B A |  | TX | Primary | Purchase | C A | Non QM | Non QM | Yes |
| 122388372 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. |  |  |  |  | Reviewer Comment (2022-12-09): SitusAMC received CDs.<br>Seller Comment (2022-12-07): Comment from XXXX (XXXX): The ICD dated 11/7/22 was not provided in the Loan Doc Review folder, therefore, not available for review. It was located in the file in DocMagic folder - Doc Type - Generated Documents - see snipit below. There were only two (2) CD's issued - ICD on 11/7/22 & Final on 11/14/22, which was within 3 business days of closing. The ICD has been attached for your review. | 12/09/2022 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 122988462 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/29/22 | SitusAMC | Reviewer Comment (2022-11-28): Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Buyer Comment (2022-11-28): Comment from XXXX (XXXX): Disaster Inspection found on page 122 of vision net and Mtrade, The declaration date is 9/29/2022 and the Disaster Inspection was done after that declaration date on 10/25/2022. Please cancel. |  |  | 11/28/2022 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122988462 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2022-11-28): Received, Clearing.<br>Seller Comment (2022-11-28): Comment from XXXX (XXXX): The document has been attached. | 11/28/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122988462 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.01300% or Final Disclosure APR of 9.06100% is in excess of allowable threshold of APOR 6.74% + 1.5%, or 8.24000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-12-12): Received, Clearing.<br>Buyer Comment (2022-12-09): Comment from XXXX (XXXX): This exception is linked to the HPML Appraisal Rule exception and should clear once the other exception is cleared. | 12/12/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122988462 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Missing evidence of appraisal receipt three days prior to closing |  |  |  | Reviewer Comment (2022-12-12): Received, Clearing.<br>Seller Comment (2022-12-09): Comment from XXXX (XXXX): Appraisal dated 11/19/2022 was delivered to the borrower per the attached electronic delivery on 10/20/2022. Acknowledgment of Receipt of Appraisal Report signed at closing on 11/14/22 is also attached. Appraisal was delivered 10/20, closing was 11/14, therefore, more than three (3) business days prior to closing. Proof of delivery was not provided in Loan Doc Review folder for audit. | 12/12/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122988462 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2023-01-11): Received IEADS<br>Seller Comment (2023-01-11): Comment from XXXX (XXXX): Initial Escrow Account Disclosure Statement dated 11/14/22 at closing and executed by borrower. Located in Closing Documents - Initial Escrow Account Disclosure folder. Disclosure was not provided in Loan Doc Review folder for audit. | 01/11/2023 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | Yes |
| 122988462 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 11/07/2022 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | Seller closing disclosure is missing and the consumer CD does not list any seller fees |  |  |  | Reviewer Comment (2022-12-07): SitusAMC received Seller CD.<br>Seller Comment (2022-12-05): Comment from XXXX (XXXX): Response: Seller paid fees are not required to be disclosed on Borrower Final CD - Seller Settlement Statement and/or CD is acceptable documentation. Seller FSS located in Executed Closing Docs - Executed Misc Closing Docs folder- Pages 11-12 & Buyer FSS located on Pages 13-14. Executed Final CD located in Executed Closing Docs - Executed Final CD folder - Pages 1-5 and Seller CD - Pages 7-9. Documents are not in the Loan Doc Review folder and were not provided to AMC for review.<br>The fees and calculations on the Executed Final CD, Buyer FSS, Seller CD & Seller FSS all match and should meet the requirement to clear the exception. | 12/07/2022 |  |  | 1 C A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122988462 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Missing evidence of appraisal receipt three days prior to closing |  |  |  | Reviewer Comment (2022-12-12): Received, Clearing. | 12/12/2022 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122988462 |  |  |  |  |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines |  | Seller and buyer have a known relationship and property is being sold $100k below market value | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-11-22): Prefunding credit exception, waived with compensating factors |  |  | 11/22/2022 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122988462 |  |  |  |  |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing evidence of $25,000 wire gift from borrower sister to title company |  |  |  | Reviewer Comment (2022-12-01): Wire transfer received<br>Seller Comment (2022-12-01): Comment from XXXX (XXXX): Evidence for source of funds for the gift of 25,000, the funds were wired to the title company attached the receipt. | 12/01/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122062457 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2023-01-06): Accepted as is |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 122062457 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2023-01-06): Accepted as is |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 122957149 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal evidence received 10/24/2022 however the appraisal is signed 11/1/2022. Provide evidence the borrower received the most recent appraisal. |  |  |  | Reviewer Comment (2022-12-28): Received evidence of receipt of appraisal<br>Seller Comment (2022-12-28): Comment from XXXX (XXXX): Based upon recent information from AMC, and with the information outlined herein, there is no revision to the valuation, therefore the finding is not valid. | 12/28/2022 |  |  | 1 B A |  | UT | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 122536442 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Amount of Non-Escrowed Property Costs over Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 14,160.00 on Final Closing Disclosure provided on 11/18/2022 not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $14,160.00 on page 4; however the HOA dues total $12,072.00 per year. Final CD reflects Assessments of $1,180.00 monthly, correct amount is $1006.00 per HOA due on the appraisal provided. Provide a post-close CD correcting the Escrow Account section on page 4 and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2023-01-06): Accepted as is |  |  |  | 2 B |  | NV | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122470262 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.62959% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $21,488.24 on a Federal Total Loan Amount of $464,150.38 vs. an allowable total of $13,924.51 (an overage of $7,563.73 or 1.62959%). |  |  |  |  | Reviewer Comment (2022-12-07): Restated.<br>Buyer Comment (2022-12-07): Comment from XXXX (XXXX): Valid fail, please restate as NQM | 12/07/2022 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 122470262 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) |  |  |  | Reviewer Comment (2022-12-07): Restated.<br>Buyer Comment (2022-12-07): Comment from XXXX (XXXX): Please restate as NQM | 12/07/2022 |  |  | 1 B A C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 122470262 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated. |  |  |  | Reviewer Comment (2022-12-07): Accepted as is. |  |  |  | 2 A B |  | PA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 122891276 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Evidence of earlier receipt of Appraisal not found in file. |  |  |  | Reviewer Comment (2023-01-06): Accepted as is |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 122891276 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,465.00 exceeds tolerance of $3,272.50. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax, cure provided at closing. |  |  |  | Reviewer Comment (2022-11-28): Sufficient Cure Provided At Closing |  | 11/28/2022 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122619251 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 9.04060% or Final Disclosure APR of 9.06300% is in excess of allowable threshold of APOR 6.38% + 2.5%, or 8.88000% Compliant Higher Priced Loan. | Verified APR on subject loan of 9.04060% or Final Disclosure APR of 9.06300% is in excess of allowable threshold of APOR 6.38% + 2.5%, or 8.88000% Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | MA | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 122619251 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $1,120.00. Sufficient or excess cure was provided to the borrower at Closing. | Fee was disclosed on LE as $1,120.00 and on Closing Disclosure as $1.200 . File does not contain a valid Change of Circumstance for the fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $80.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent it the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-11-30): Sufficient Cure Provided At Closing |  | 11/30/2022 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 122619251 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Max loan amount for FTHB is $1,500,000 | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-11-30): Prefunding credit exception, waived with compensating factors |  |  | 11/30/2022 | 2 B |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122619251 |  |  |  |  |  |  | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  | Missing evidence of $210,000 gift transfer to title company |  |  |  | Reviewer Comment (2022-12-01): Received, Clearing.<br>Seller Comment (2022-12-01): Comment from XXXX (XXXX): Attached is evidence of $210,000 gift transfer that was sent to title company. | 12/01/2022 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122619251 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2022-12-01): Accepted as is. |  |  |  | 2 B |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122143046 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $0.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2022-12-14): Sufficient Cure Provided At Closing |  | 12/14/2022 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 122348667 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/29/2022 | SitusAMC | Reviewer Comment (2022-12-06): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/29/2022<br>Buyer Comment (2022-12-06): Comment from XXXX (XXXX): Appraisal in file was completed after the disaster declaration. No reinspection was needed, this should be canceled |  |  | 12/06/2022 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122348667 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $331.31 exceeds tolerance of $245.81. Insufficient or no cure was provided to the borrower. | Points increased on final CD without explanation. |  |  |  | Reviewer Comment (2023-01-02): SitusAMC received valid COC dated 11/28/22.<br>Seller Comment (2022-12-30): Comment from XXXX (XXXX): alid change listed due to change closing date, lock extension at a cost to borrower. Not provided in Loan Doc Review for audit. COC attached - please review to clear the exception. | 01/02/2023 |  |  | 1 A |  | FL | 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 |
| 122189505 |  |  |  |  |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2022-12-29): Received, Clearing. | 12/29/2022 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 122189505 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Guidelines Number of Bank Statements Requirement not met | General QM: The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. |  |  |  |  | Reviewer Comment (2022-12-28): Explanation regarding business structure received<br>Seller Comment (2022-12-27): Comment from XXXX (XXXX): Additional documentation attached - explanation in doc named "6221100024 Dispute"<br>Reviewer Comment (2022-12-07): Loan cannot be considered general QM with less than 12 months bank statements. This is a compliance exception that cannot be waived with a credit exception approval<br>Buyer Comment (2022-12-07): Comment from XXXX (XXXX): On page 256 of mtrade there is an approved exception addressing the bank statements. Please cancel. | 12/28/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 122189505 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator loan designation of Higher Priced QM (APOR) however, the loan does not have at least 12 months bank statements for a business qualifying with bank statement income therefore, the due diligence loan designation is QM (APOR) fail |  |  |  | Reviewer Comment (2022-12-29): Received, Clearing.<br>Buyer Comment (2022-12-29): Comment from XXXX (XXXX): With the main condition now cleared, this should be cleared as well | 12/29/2022 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122189505 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2022-12-29): Received, Clearing.<br>Buyer Comment (2022-12-29): Comment from XXXX (XXXX): With the main condition now cleared, this should be cleared as well<br>Reviewer Comment (2022-12-07): Loan cannot be considered general QM with less than 12 months bank statements. This is a compliance exception that cannot be waived with a credit exception approval<br>Buyer Comment (2022-12-07): Comment from XXXX (XXXX): On page 256 of mtrade there is an approved exception addressing the bank statements. Please cancel. | 12/29/2022 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 122189505 |  |  |  |  |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-12-07): Received, cleared<br>Seller Comment (2022-12-07): Comment from XXXX (XXXX): Attached is the Final Title Policy. | 12/07/2022 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 122189505 |  |  |  |  |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Minimum 12 month bank statements are required for bank statement income qualification however, borrower only has 10 months. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-12-07): Prefunding credit exception to use 10 months statements instead of 12, waived with compensating factors<br>Buyer Comment (2022-12-07): Comment from XXXX (XXXX): On page 256 of mtrade there is an approved exception addressing the bank statements. Please canceled. |  |  | 12/07/2022 | 2 C B |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 122248782 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $964.00 exceeds tolerance of $835.00 plus 10% or $918.50. Insufficient or no cure was provided to the borrower. | Sufficient cure provided at closing for 10% fees however, insufficient cure for all tolerance violations. Exception will be revisited once other tolerance violations are addressed |  |  |  | Reviewer Comment (2022-12-19): SitusAMC Sufficient cure provided at closing.<br>Seller Comment (2022-12-16): Comment from XXXX (XXXX): The tolerance cure in the amount of $45.50 was issued on the Executed Final CD in Section J - Lender Credits (Includes $100.50 credit for increase in Closing Costs above legal limit). The total credit includes $45.50 for increase in 10% fees and $55 for increase in Appraisal Fee from $495 to $550 with no valid change of circumstance. See attached Initial LE & Executed Final CD | 12/19/2022 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122248782 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $495.00. Insufficient or no cure was provided to the borrower. | Sufficient cure provided at closing for appraisal fee increase however, insufficient cure for all tolerance violations. Exception will be revisited once other tolerance violations are addressed |  |  |  | Reviewer Comment (2022-12-19): SitusAMC Sufficient cure provided at closing.<br>Seller Comment (2022-12-16): Comment from XXXX (XXXX): The tolerance cure in the amount of $55 was issued on the Executed Final CD in Section J - Lender Credits (Includes $100.50 credit for increase in Closing Costs above legal limit). The total credit includes $45.50 for increase in 10% fees and $55 for increase in Appraisal Fee from $495 to $550 with no valid change of circumstance. See attached Initial LE & Executed Final CD | 12/19/2022 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122248782 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $300.00 exceeds tolerance of $224.00. Insufficient or no cure was provided to the borrower. | Insufficient cure provided for transfer tax increase. Cure required is $76 |  |  |  | Reviewer Comment (2022-12-23): SitusAMC received updated COC dated 10/03/2022.<br>Seller Comment (2022-12-22): Comment from XXXX (XXXX): There is no tolerance violation or cure due on this loan. The COC has been revised from "additional settlement charges" to "Loan Amount Increase" - the loan amount increased from Initial LE to Final LE, which affects the transfer taxes. This change should be acceptable to clear the exception. | 12/23/2022 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122248782 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $964.00 exceeds tolerance of $835.00 plus 10% or $918.50. Sufficient or excess cure was provided to the borrower at Closing. | SitusAMC: Sufficient cure provided at closing |  |  |  | Reviewer Comment (2022-12-23): Sufficient Cure Provided At Closing |  | 12/23/2022 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122248782 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. | SitusAMC: Sufficient cure provided at closing |  |  |  | Reviewer Comment (2022-12-23): Sufficient Cure Provided At Closing |  | 12/23/2022 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 122422843 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $150.00 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. | Fee was disclosed on LE as $125.00 and on Closing Disclosure as $150.00. File does not contain a valid Change of Circumstance for the fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $25.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent it the Borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-12-19): SitusAMC received Letter of Explanation, Copy of Refund Check, and Corrected CD<br>Seller Comment (2022-12-16): Comment from XXXX (XXXX): Refund for tolerance cure in the amount of $25 for increase in Attorney Review Fee was processed by Post-Closing on 12/13/22 - PCCD, LOE & Copy of Refund Check in the amount of $25 are attached to clear the exception. |  | 12/19/2022 |  | 2 C B |  | 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 |
| 122737330 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 12/14/2022 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) |  |  |  |  |  | 01/04/2023 |  |  | 1 C A |  | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 122737330 |  |  |  |  |  |  | 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 three (3) business days of application. Initial Loan Estimate dated 10/12/2022 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. |  |  |  |  |  | 01/04/2023 |  |  | 1 C A |  | NJ | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 122737330 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  |  | 12/22/2022 |  |  | 1 D A |  | NJ | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 122737330 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | D B A C | Non QM | Non QM | No |
| 122093595 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Disaster was after the appraisal was completed | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/29/22 | SitusAMC | Reviewer Comment (2023-01-04): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | 01/04/2023 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| 122093595 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/29/22 | SitusAMC | Reviewer Comment (2023-01-04): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | 01/04/2023 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| 122072500 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,405.60 exceeds tolerance of $3,250.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2023-01-06): Sufficient Cure Provided within 60 Days of Closing |  | 01/06/2023 |  | 1 A |  | NY | Primary | Purchase | A | Non QM | Non QM | Yes |
| 122113849 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | The right to cancel is on the incorrect form for a refinance with the same lender. Form H-9 should have been used. |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 122113849 |  |  |  |  |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  |  |  |  |  | Reviewer Comment (2022-10-14): Received previous hazard insurance policy with effective date from 10/20/2021 to 10/20/2022 and policy from 10/20/2022 to 10/20/2023. Exception Cleared.<br>Seller Comment (2022-10-13): Comment from XXXX): 10/13 KM: Please see the attached HOI policy in effect as of closing. | 10/14/2022 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122113849 |  |  |  |  |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The policy amount os $425,000.00 is less than the original loan amount of $438,000.00. |  |  |  | Reviewer Comment (2022-10-19): Received copy of the updated commitment with sufficient coverage. | 10/19/2022 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122113849 |  |  |  |  |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Reserves requirements of six months have not been met. |  |  |  | Reviewer Comment (2022-10-14): As per bank statement guidelines for XXXX, cash out proceeds can be used for reserves. Exception cleared.<br>Buyer Comment (2022-10-13): Comment from XXXX): 10/13 KM: Please rescind as investor allows the use of proceeds from the loan to be used as reserves. Borrower is receiving $42,975.17 in cash back. | 10/14/2022 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 122307935 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 6.36717% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2022). FNMA Finance Charge total $7,640.60 on a Original Loan Amount of $120,000.00 vs. an allowable total of $6,000.00 and $1000.00 (2022) (an overage of $1,640.60 or 1.36717%). | Valid COC was provided |  |  |  |  |  |  |  | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | Yes |
| 122740595 |  |  |  |  |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-10-27): Coverage was not documented.<br>Seller Comment (2022-10-27): Comment from XXXX (XXXXX): 10-27-2022 DI See attachment |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122472652 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | Disaster Name: HURRICANE IAN<br> Disaster Declaration Date: 09/29/2022 | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09.29.2022 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator | Reviewer Comment (2022-11-02): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property. |  |  | 11/02/2022 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 122062299 |  |  |  |  |  |  | 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 three (3) business days of application. Initial Loan Estimate dated 10/12/2022 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2022-11-01): SitusAMC received updated E-sign consent certificate dated on 10/11/2022.<br>Seller Comment (2022-10-31): Comment from XXXX (XXXX): BF 10.31.2022 - Please see the attached E-Certificate showing e-consent was obtained on 10/11 for XXXX and 10/13 for XXXX. | 11/01/2022 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 122014726 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| 122014726 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | Yes |
| 122014726 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of 8.62440% or Final Disclosure APR of 8.63500% is in excess of allowable threshold of Prime Mortgage Market Rate 6.66000 + 1.75%, or 8.41000%. Non-Compliant SubPrime Loan. | New York Subprime loan. The APR of 8.6244% exceeds threshold of prime mortgage market rent of 8.4100%. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | Yes |
| 122249084 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122876766 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.83290% or Final Disclosure APR of 9.83400% is in excess of allowable threshold of APOR 7.03% + 1.5%, or 8.53000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-11-14): Proof of receipt of appraisal provided<br>Reviewer Comment (2022-11-14): No documentation provided to evidence Bona Fide points & fees<br>Buyer Comment (2022-11-14): Comment from XXXX (XXXX): BF 11.14.2022 - Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan.<br>Bank Statement loans are not subject to QM, Fannie, Freddie or State-Specific 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 appraisal wavier, no escrow waiver, and not NY)<br>Our contract states that XXXX will buy HPML as long as all the requirements were met, as they were on this loan. | 11/14/2022 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 122876766 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal provided 10/29/2022 per receipt |  |  |  | Reviewer Comment (2022-11-14): Proof of receipt of appraisal provided<br>Seller Comment (2022-11-14): Comment from XXXX (XXXX): BF 11.14.2022 - Please see the attached TRID History. Appraisal was delivered and received 9.29.2022. | 11/14/2022 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 122876766 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | North Carolina Rate Spread Threshold Test Compliant | North Carolina Rate Spread Home Loan: APR on subject loan of 9.83290% or Final Disclosure APR of 9.83400% is in excess of allowable threshold of APOR 7.03% + 1.5%, or 8.53000%. Compliant Rate Spread Home Loan. |  |  |  |  | Reviewer Comment (2023-01-12): Accepted as is |  |  |  | 2 B A |  | NC | Primary | Purchase | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. <br>(Narrow Defense - Requires CHD Approval)<br> Within 120 days of discovery , which compliance failure was not intentional and resulted from a bona fide error, creditor must: (1) provide Lender Attestation to AMC attesting the failure was not intentional and was a bona fide error notwithstanding procedures in place to prevent such loans from being made (specific details on how rate spread home loan was made despite procredures to prevent); (2) notify the borrower, and make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. | Non QM | Non QM | No |
| 122512830 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $150.00 exceeds tolerance of $120.00 plus 10% or $132.00. Sufficient or excess cure was provided to the borrower at Closing. | Lender credit included $18 credit for increase in closing cost above legal limit |  |  |  | Reviewer Comment (2022-12-16): Sufficient Cure Provided At Closing |  | 12/16/2022 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
| 122512830 |  |  |  |  |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2023-01-12): Accepted as is |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 122759841 |  |  |  |  |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed $335,000.00 of title insurance coverage; however this is less than the loan amount of $539,000.00. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2023-01-12): Accepted as is |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 122308373 |  |  |  |  |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | A Secondary Valuation Product was not provided as required for securitization. |  |  |  | Reviewer Comment (2022-12-02): Received a XXXX desk review dated 11/30/2022 that provided a value with a 0.00% variance from the appraised value, value supported. | 12/02/2022 |  |  | 1 D A |  | CA | Investment | Purchase | D A | N/A | N/A | No |
| 122512031 |  |  |  |  |  |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of 8.23510% or Final Disclosure APR of 8.23700% is in excess of allowable threshold of Prime Mortgage Market Rate 5.89000 + 1.75%, or 7.64000%. Compliant SubPrime Loan. | APR on subject loan of 8.23510% or Final Disclosure APR of 8.23700% is in excess of allowable threshold of Prime Mortgage Market Rate 5.89000 + 1.75%, or 7.64000%. Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2023-01-12): Accepted as is |  |  |  | 2 B |  | NY | Primary | Purchase | While considered narrow in its defense, the cure provisions under the NY Subprime law allows lenders, when acting in good faith, to make appropriate restitution to the borrower to satisfy the subprime home loan requirements and remove the loan from subprime status. Cure may be made through refund if (1) there is bona fide evidence of good faith (i.e, lender has controls and policies in place to avoid making subprime loans); and (2) the borrower has not yet brought any action against lender. There is no time limit for which such restitution must be made. B A | Non QM | Non QM | No |
| 122389880 |  |  |  |  |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Disaster End Date: 11/04/2022<br> Disaster Name: HURRICANE IAN |  |  |  | Reviewer Comment (2022-12-02): Received a post close disaster report showing no damage. | 12/02/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122389880 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2022-11-29): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 11/29/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122389880 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2022-11-29): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 11/29/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122389880 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | Reviewer Comment (2022-11-29): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 11/29/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122389880 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.53231% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $21,891.20 on a Federal Total Loan Amount of $395,697.29 vs. an allowable total of $19,784.86 (an overage of $2,106.34 or .53231%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2022-11-29): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 11/29/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C | Non QM | Non QM | No |
| 122389880 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. |  |  |  |  | Reviewer Comment (2022-11-29): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 11/29/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 122814033 |  |  |  |  |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2022-12-01): Received copy of the short form policy with sufficient coverage. | 12/01/2022 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 122814033 |  |  |  |  |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-12-01): Received copy of the short form policy with sufficient coverage. | 12/01/2022 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 122814033 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Due to exceeding the maximum fees for HOEPA. |  |  |  | Reviewer Comment (2022-12-01): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 12/01/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 122814033 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Due to exceeding the maximum fees for HOEPA. |  |  |  | Reviewer Comment (2022-12-01): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 12/01/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 122814033 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | Due to exceeding the maximum fees for HOEPA. |  |  |  | Reviewer Comment (2022-12-01): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 12/01/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
| 122814033 |  |  |  |  |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.46275% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $64,795.00 on a Federal Total Loan Amount of $1,186,125.15 vs. an allowable total of $59,306.25 (an overage of $5,488.75 or .46275%). Non-Compliant High Cost Loan. | The fees included in testing are the Discount Points of $62,800.00 and Processing Fee of $1,995.00. The file contained no evidence to support any portion of the Discount Points as bonafide to be excluded. |  |  |  | Reviewer Comment (2022-12-01): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 12/01/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | No |
| 122814033 |  |  |  |  |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Due to exceeding the maximum fees for HOEPA. |  |  |  | Reviewer Comment (2022-12-01): Received documentation of the un-discounted rate; discount points can be excluded as bona fide. | 12/01/2022 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |

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## Exhibit 99.10

[GCAT 2023-NQM2 Trust ABS-15G](nqm2-abs15g_012323.htm)

**Exhibit 99.10**

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 122538780 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122950591 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| 122512494 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122503817 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 3.896% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122058950 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122481546 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122317266 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| 122163522 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122491317 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122770335 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122779888 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 2.362% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| 122258350 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122321236 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122790804 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122644983 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.553% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122532599 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| 122679630 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.50 |
| 122322074 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| 122151460 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 4.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122517597 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122670727 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 122302451 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 122916601 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.80 |
| 122504798 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.90 |
| 122326293 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| 122396494 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122678510 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| 122522119 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122325004 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122318831 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 5.385% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122859181 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| 122665141 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.80 |
| 122148732 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.80 |
| 122068082 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122940387 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122318750 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -6.522% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 122288387 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122451160 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122662104 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| 122299517 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -7.895% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122992653 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 122248347 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122206582 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122076408 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122113731 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| 122003690 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 |
| 122355848 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122982419 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.70 |
| 122504003 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122174476 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122433348 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122711949 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| 122223370 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 122948625 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122497218 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.769% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| 122334588 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.90 |
| 122045603 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122994750 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122366804 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122683406 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122684464 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122521549 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122922870 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| 122232370 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122879586 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 2.222% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122616836 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 122160435 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122892133 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122442716 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122876608 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122873457 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 122033934 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122996416 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122923735 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122076043 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122200378 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122394369 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 5.405% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122976401 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -6.849% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122731615 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122920355 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122308981 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| 122607605 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122909452 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| 122365501 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122047709 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122798459 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 110.526% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122599529 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122470562 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122524798 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122640733 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122627610 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122519438 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122165389 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122249706 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122326658 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122815940 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| 122977678 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122235486 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122682004 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122964746 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 |
| 122326562 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| 122606708 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.400% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122546601 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 122109505 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122089072 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 2.237% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122362665 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 122156660 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 |
| 122054748 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.70 |
| 122414336 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 122209588 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.40 |
| 122166188 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 3.277% |  |  | AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122988576 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.50 |
| 122869373 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122281830 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122061428 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122524328 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.20 |
| 122206327 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122514743 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 122437330 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122260487 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122164333 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122687393 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -8.451% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |
| 122142430 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122556658 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122334564 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -3.750% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122068615 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |
| 122831056 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122304909 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122947103 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122842880 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 |
| 122245603 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122135294 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122614250 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| 122364252 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 122254191 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122589200 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -5.634% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122834825 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122735405 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -2.218% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122385922 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 122345409 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 6.667% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122988690 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| 122929660 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122882289 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 |
| 122017663 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122333676 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| 122632105 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122217064 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 122342721 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.40 |
| 122969022 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122425866 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122969704 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122705365 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122236372 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.10 |
| 122930303 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 1.493% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.50 |
| 122666850 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122546640 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -7.692% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| 122278078 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122530238 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 122396275 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122913678 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122875384 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122920839 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122926734 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122469740 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122432932 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| 122536814 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122257882 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122772220 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122317444 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| 122938732 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122473295 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 999.00 |
| 122644926 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122321119 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -3.597% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 122416724 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122996174 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 |
| 122152164 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.00 |
| 122610823 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122305740 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122862368 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122509178 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| 122314073 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122506108 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122407712 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122148765 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.30 |
| 122958560 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122251291 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122214874 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 122231334 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.90 |
| 122677421 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Stated |  |  |  |  |  |  |  |  |  |  | 10.274% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 122664054 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122486354 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122751387 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122686636 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 1.667% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122022335 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122892969 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122203237 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.50 |
| 122193905 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122032901 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122854134 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122004102 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 5.847% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| 122301684 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122608696 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 |
| 122953278 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| 122475374 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122210798 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 122197791 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 122143672 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.30 |
| 122130266 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122745910 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.70 |
| 122328371 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122036832 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122169786 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 122204244 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122266610 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122004718 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| 122751104 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122809181 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| 122236222 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122857683 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122319777 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122365117 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122663492 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122951735 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| 122550669 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122059422 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122246176 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.20 |
| 122357578 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122190942 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122443027 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| 122876986 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 122175844 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122015918 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122112160 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122428183 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122181748 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122090735 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.70 |
| 122225107 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122690725 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.70 |
| 122731495 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| 122836019 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122176861 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122955594 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 17.073% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122204159 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122881491 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| 122819710 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122572646 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| 122040903 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 122328837 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122346687 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122636049 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122996051 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 122411158 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 25.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122717050 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 4.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 122495068 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| 122498864 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122266759 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122518923 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122181795 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122797460 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -5.172% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 |
| 122357063 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| 122146458 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| 122746804 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -2.041% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122247582 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122137579 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 2.778% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 2.778% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| 122067282 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122089527 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122359882 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.60 |
| 122067348 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122665899 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122731214 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.70 |
| 122326859 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122038740 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122672486 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122284090 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 7.895% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122240326 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| 122975134 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 |
| 122815162 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| 122605429 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122787775 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122237376 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| 122598500 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| 122959240 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122360461 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 |
| 122685991 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122894195 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122509438 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122943193 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122837706 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122977910 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122844219 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122015916 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122274508 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 122310278 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122447175 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122000830 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122895517 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 |
| 122814098 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 1.163% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122112175 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| 122902386 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122836762 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| 122101668 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| 122106623 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 |
| 122347013 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -1.775% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122144729 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.40 |
| 122418702 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| 122623797 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 122467980 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| 122368424 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122073575 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122452144 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 122870556 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122225021 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.60 |
| 122248862 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122974440 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 122231569 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122195374 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.40 |
| 122795839 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| 122647342 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122450884 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122288626 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122788900 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122644087 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| 122955278 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122603250 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122108022 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122252178 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 122831191 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122224059 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122558805 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122316439 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122411066 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122592510 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 122182338 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122033123 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122230427 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122799274 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 122148570 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| 122202470 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.70 |
| 122050785 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 122637216 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122679343 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| 122366432 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 5.263% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122077768 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review Recon |  |  |  |  |  |  |  |  |  |  | -13.044% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.044% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122261587 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review Recon |  |  |  |  |  |  |  |  |  |  | -16.667% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122589784 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122629699 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.90 |
| 122502035 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 25.214% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| 122567254 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 |
| 122974095 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 122795649 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122620067 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122784284 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122410327 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  | 0.000% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122470312 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 1.053% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122536686 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 122091816 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| 122073032 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122511261 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 122293869 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 122077279 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.80 |
| 122964392 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122966980 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -9.091% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 |
| 122994660 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122292118 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122057677 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122984369 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| 122519150 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122754146 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.60 |
| 122162787 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 122239665 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122296044 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122390354 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122251004 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122617392 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.80 |
| 122688231 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122179491 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122822832 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.90 |
| 122139176 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122808818 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122027135 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.90 |
| 122953139 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| 122013064 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.00 |
| 122430161 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122138048 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122008856 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| 122806050 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122570251 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122497719 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122207336 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122555011 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122972882 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122780790 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| 122132114 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 122286266 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.10 |
| 122366745 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -5.714% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122589029 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| 122409255 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122201686 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122171030 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| 122365880 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122270383 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122800887 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| 122476760 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| 122410711 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122071050 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -5.512% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| 122466648 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122157338 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 122741292 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| 122418446 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.80 |
| 122645924 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122948922 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122291649 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122546244 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 13.846% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.70 |
| 122038654 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122759425 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122995892 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 |
| 122659784 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.30 |
| 122722978 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122782801 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -7.407% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122165097 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122364068 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 122022577 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.90 |
| 122923430 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| 122132867 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122629257 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122256989 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.50 |
| 122959386 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122958650 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122872322 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 2.564% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 122492585 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.10 |
| 122687938 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.80 |
| 122441820 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122379371 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 1.299% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| 122590246 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122408701 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122002097 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 122818674 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 16.583% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122186632 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -4.110% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.40 |
| 122680646 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122588159 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| 122816084 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 21.264% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | -0.049% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122458642 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| 122739984 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| 122085202 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122188487 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| 122942587 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122768244 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122276100 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122558531 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| 122787230 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122050272 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 122150998 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.60 |
| 122966407 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.30 |
| 122233820 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| 122765638 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 1.053% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 1.053% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| 122195620 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| 122575054 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.40 |
| 122785793 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122181037 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| 122599065 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122794857 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 4.418% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.90 |
| 122391876 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| 122158353 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| 122078715 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.413% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.20 |
| 122164679 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122444784 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 122657155 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -9.174% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 |
| 122577870 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122005468 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.90 |
| 122075088 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| 122003164 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| 122075049 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122980728 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122371508 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122408025 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| 122134584 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 122663765 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 999.00 |
| 122848444 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122047572 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 122490310 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| 122183389 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.30 |
| 122056455 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| 122786322 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| 122413594 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122155175 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122206173 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122952194 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122189656 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122358306 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122962844 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122509434 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122601416 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122387720 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122894980 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122912849 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122612717 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| 122884083 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122268271 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122324725 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122460569 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122520813 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122925938 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122289835 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122751627 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122320818 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122679376 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -1.538% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | -1.539% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122352470 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122693752 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122704796 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122240369 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122305945 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122779059 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122429718 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122979323 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122892002 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122428137 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122073234 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122312741 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122613077 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122876182 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122861911 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -8.907% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122339891 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122961200 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| 122705385 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122460568 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122547121 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122482029 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122595236 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122289270 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122363861 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122698513 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122455202 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122449929 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122759796 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122007801 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122437957 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122908899 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122452570 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122505200 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122812134 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122095730 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 2.824% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122822919 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122937179 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122899553 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122175329 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -7.143% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122143404 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122464199 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122339742 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122014141 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122371097 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122885552 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122766237 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122153146 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122563700 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122726308 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122269579 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122477317 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122648840 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122073616 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122572289 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122726807 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122490046 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122737666 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122703165 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122038438 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| 122821726 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122437039 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -7.273% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122249384 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122069658 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122203836 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122700788 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122824965 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122671198 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122337055 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122914660 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122972627 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122828070 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122267382 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -4.167% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122672058 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122440409 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122125409 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122155112 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122343884 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122871341 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -7.143% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122769255 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122211673 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122779256 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122820594 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122032864 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122614329 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122843185 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122462745 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122015791 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122297318 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 15.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122751367 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122945711 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122998968 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122373908 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122104809 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122061307 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -5.556% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | -7.778% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122400646 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122203644 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| 122093712 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122633024 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122529607 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122977576 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122156400 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122947494 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122720563 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122134437 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122858379 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122310114 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122305414 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122520614 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122855996 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122026017 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122619373 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122691551 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122717053 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.865% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122816087 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -8.451% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5.00 |
| 122785700 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122671819 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122155800 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122301937 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122558439 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122716734 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122235626 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122870631 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122569952 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122660405 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122830399 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122087561 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 122313203 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122030765 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122780879 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 122166315 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122154328 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| 122388173 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122816643 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122452159 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| 122959748 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122802200 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.40 |
| 122581091 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.30 |
| 122643307 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |
| 122436917 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| 122049069 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122437956 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -2.055% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122472626 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.20 |
| 122762903 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 122340713 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| 122388372 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122988462 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| 122062457 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.10 |
| 122957149 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122370990 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| 122634560 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122536442 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| 122093986 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.60 |
| 122470262 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| 122891276 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122044686 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| 122163798 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 1.408% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| 122004446 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| 122619251 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| 122143046 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| 122155539 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| 122102219 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122925961 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| 122282465 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122348667 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 |
| 122399466 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| 122189505 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122811445 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| 122478176 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| 122263755 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| 122248782 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| 122422843 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| 122376231 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| 122320555 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| 122093630 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122648566 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122006854 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122124017 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122737330 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.00 |
| 122443460 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122093595 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122387665 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| 122072500 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| 122833057 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 1.043% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.043% |  |  |  |  |  |  | N/A | 3.70 |
| 122554834 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.372% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.372% |  |  |  |  |  |  | N/A | 3.30 |
| 122113849 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| 122307935 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 122740595 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| 122690176 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122472652 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122062299 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -0.904% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.904% |  |  |  |  |  |  | N/A | 4.50 |
| 122126194 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 4.523% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.50 |
| 122014726 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122249084 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| 122577965 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -8.929% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122126031 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122876766 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122512830 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122328129 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| 122759841 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| 122097716 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| 122142285 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| 122308373 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.30 |
| 122512031 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| 122389880 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 3.466% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| 122814033 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| 122621805 |  |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |

---

## Exhibit 99.11

[GCAT 2023-NQM2 Trust ABS-15G](nqm2-abs15g_012323.htm)

**Exhibit 99.11**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Application Date** | **TRID** | **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** | **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** | **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** | **DSCR** | **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?** |
| 122538780 |  |  |  | Non QM |  | Yes | No | $9005.10 | $7790.65 |  | 6.328% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13830.17 | 1 | $7490.64 | $1065.24 |  |  |  |  |  | 42.820% | 42.820% | 42.820% | 02/06/2022 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9005.10 |  | 4.230% | $0.00 | 1 |  |  |  | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $273393.18 | 64.000% |  |  |  |  |  |  |
| 122950591 |  |  |  | Non QM |  | Yes | No | $21963.69 | $17839.01 |  | 6.812% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6806.95 | 1 | $7437.48 | $1543.20 |  |  |  |  |  | 42.669% | 42.669% | 42.669% | 03/21/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21963.69 |  | 4.230% | $0.00 | 1.6 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $100633.09 | 17.000% |  |  |  |  |  |  |
| 122512494 |  |  |  | Non QM |  | Yes | No | $6832.40 | $7928.56 |  | 5.658% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3798.15 | 1 | $2415.48 | $992.04 |  |  |  |  |  | 42.555% | 42.555% | 42.555% | 03/02/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 22 | 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]; 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6832.40 |  | 3.830% | $0.00 | 1 |  |  |  | Yes | No | 5.500% | 0 |  | 0 | 0 | 3 | 0 |  | 22 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $6142.68 |  |  |  |  |  |  |  |
| 122503817 |  |  |  | Non QM |  | Yes | No | $17007.48 | $20689.83 |  | 6.474% |  |  |  | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27529.86 | 2 | $12267.96 | $2060.04 |  |  |  |  |  | 32.687% | 32.687% | 32.687% | 02/13/2022 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17007.48 |  | 3.920% | $0.00 |  |  |  |  | No | No | 6.375% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $462361.52 | 24.000% |  |  |  |  |  |  |
| 122058950 |  |  |  | Non QM |  | Yes | No | $13955.96 | $16185.53 |  | 5.898% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3528.23 | 1 | $10034.88 | $1196.76 |  |  |  |  |  | 46.693% | 46.693% | 46.693% | 02/16/2022 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| 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: 0.00000% \| 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: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13955.96 |  | 4.490% | $0.00 | 2.6 |  |  |  | No | No | 5.500% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $76342.04 |  |  |  |  |  |  |  |
| 122481546 |  |  |  | N/A |  | Yes | No | $5255.72 | $7157.55 |  | 5.498% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $71773.46 | 1 | $2193.36 | $868.20 |  |  |  |  |  | 5.251% | 5.251% | 5.251% | 01/31/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5255.72 |  | 3.830% | $0.00 | 1 |  |  |  | N/A | No | 5.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122317266 |  |  |  | Non QM |  | Yes | No | $16312.99 | $22412.46 |  | 5.745% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $229091.52 | 1 | $28863.72 | $1209.00 |  |  |  |  |  | 10.262% | 10.262% | 10.262% | 02/03/2022 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 70.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| 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: 70.00% \| 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: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16312.99 |  | 4.230% | $0.00 | 2.4 |  |  |  | No | No | 5.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $1210607.19 | 52.000% |  |  |  |  |  |  |
| 122163522 |  |  |  | Non QM |  | Yes | No | $21237.36 | $23101.90 |  | 5.137% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7823.29 | 1 | $6909.48 | $1572.96 |  |  |  |  |  | 33.002% | 33.002% | 33.002% | 01/26/2022 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21237.36 |  | 3.960% | $0.00 | 1 |  |  |  | Yes | No | 4.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $142783.51 | 22.000% |  |  |  |  |  |  |
| 122491317 |  |  |  | Non QM |  | Yes | No | $1395.00 | $3826.16 |  | 5.269% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8485.81 | 1 | $11856.24 | $2456.04 |  |  |  |  |  | 44.723% | 38.073% | 44.723% | 04/05/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2002 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1395.00 |  | 3.960% | $0.00 | 1 |  |  |  | Yes | No | 5.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 |  |  |  |  |  |  |  |  |  |
| 122770335 |  |  |  | Non QM |  | Yes | No | $20395.68 | $22008.35 |  | 5.969% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15984.97 | 1 | $2613.96 | $933.96 |  |  |  |  |  | 25.536% | 25.536% | 25.536% | 02/16/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20395.68 |  | 4.490% | $0.00 | 1 |  |  |  | No | No | 5.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $155765.15 | 24.000% |  |  |  |  |  |  |
| 122779888 |  |  |  | Non QM |  | Yes | No | $1563.00 | $9848.55 |  | 5.786% |  |  |  | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27579.49 | 1 | $38497.68 | $767.16 |  |  |  |  |  | 39.156% | 39.156% | 39.156% | 03/05/2022 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Deposit Receipt - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1563.00 |  | 3.830% | $10000.00 | 5 |  |  |  | No | No | 5.750% | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $10031668.00 | 100.000% |  |  |  |  |  |  |
| 122258350 |  |  |  | Non QM |  | Yes | No | $14390.20 | $16846.37 |  | 5.318% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6700.02 | 1 | $3682.08 | $1194.96 |  |  |  |  |  | 32.212% | 32.212% | 32.212% | 02/24/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14390.20 |  | 4.740% | $0.00 | 2.6 |  |  |  | No | No | 5.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $172895.36 | 30.000% |  |  |  |  |  |  |
| 122321236 |  |  |  | Non QM |  | Yes | No | $10530.60 | $12408.50 |  | 7.093% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6392.63 | 1 | $12424.32 | $1701.60 |  |  |  |  |  | 46.176% | 46.176% | 46.176% | 04/18/2022 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 77.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10530.60 |  | 4.790% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 | 2 | 0 | 0 | 3 | 2 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $47419.89 | 7.000% |  |  |  |  |  |  |
| 122790804 |  |  |  | Non QM |  | Yes | No | $15532.41 | $27784.76 |  | 4.225% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5937.64 | 1 | $7237.44 | $1334.16 |  |  |  |  |  | 42.721% | 42.721% | 42.721% | 02/04/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15532.41 |  | 3.960% | $0.00 | 2.6 |  |  |  | No | No | 3.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $56169.31 |  |  |  |  |  |  |  |
| 122644983 |  |  |  | Non QM |  | Yes | No | $3888.60 | $14737.81 |  | 6.810% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14745.47 | 1 | $29375.04 | $635.04 |  |  |  |  |  | 49.913% | 49.913% | 49.913% | 04/06/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3888.60 |  | 4.740% | $0.00 | 2.6 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $447136.12 | 19.000% |  |  |  |  |  |  |
| 122532599 |  |  |  | Non QM |  | Yes | No | $8621.53 | $9866.32 |  | 7.112% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31237.94 | 1 | $11989.20 | $2729.04 |  |  |  |  |  | 19.505% | 19.505% | 19.505% | 03/31/2022 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 39.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 39.00% \| 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: 39.00% \| 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: 39.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 39.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8621.53 |  | 4.790% | $3500.00 | 1.8 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $88976.29 | 21.000% |  |  |  |  |  |  |
| 122679630 |  |  |  | Non QM |  | Yes | No | $7223.42 | $7313.95 |  | 7.215% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3345.34 | 1 | $2082.72 | $1410.96 |  |  |  |  |  | 40.744% | 40.744% | 40.744% | 03/15/2022 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7223.42 |  | 4.230% | $0.00 | 3.5 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $2000.00 | 1.000% |  |  |  |  |  |  |
| 122322074 |  |  |  | Non QM |  | Yes | No | $51384.13 | $63602.98 |  | 5.399% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7501.71 | 1 | $18627.48 | $1560.00 |  |  |  |  |  | 49.989% | 49.989% | 49.989% | 02/21/2022 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $51384.13 |  | 4.740% | $250000.00 | 3.2 |  |  |  | No | No | 4.875% | 1 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $170767.61 | 12.000% |  |  |  |  |  |  |
| 122151460 |  |  |  | Non QM |  | Yes | No | $13008.00 | $13525.79 |  | 4.811% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24851.05 | 1 | $14267.28 | $3888.24 |  |  |  |  |  | 27.882% | 22.405% | 27.882% | 02/22/2022 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 92.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13008.00 |  | 3.990% | $0.00 | 1 |  |  |  | Yes | No | 4.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 |  | $670498.10 |  |  |  |  |  |  |  |
| 122517597 |  |  |  | Non QM |  | Yes | No | $10543.00 | $4157.21 |  | 5.807% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $11608.87 | 1 | $9562.56 | $903.00 |  |  |  |  |  | 27.794% | 27.794% | 27.794% | 02/28/2022 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10543.00 |  | 3.960% | $0.00 | 1 |  |  |  | N/A | No | 5.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $42566.02 | 6.000% |  |  |  |  |  |  |
| 122670727 |  |  |  | Non QM |  | Yes | No | $13831.46 | $15217.23 |  | 7.733% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26666.91 | 1 | $13943.28 | $1856.76 |  |  |  |  |  | 27.751% | 27.751% | 27.751% | 03/16/2022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13831.46 |  | 4.790% | $0.00 | 1.3 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $115802.73 | 14.000% |  |  |  |  |  |  |
| 122302451 |  |  |  | Non QM |  | Yes | No | $14918.35 | $17625.27 |  | 7.131% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $5018.92 | 1 | $3033.48 | $1842.96 |  |  |  |  |  | 43.553% | 43.553% | 43.553% | 02/12/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 81.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14918.35 |  | 4.230% | $0.00 | 2.5 |  |  |  | Yes | No | 6.750% | 0 | 1 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $98969.20 | 22.000% |  |  |  |  |  |  |
| 122916601 |  |  |  | Non QM |  | Yes | No | $15950.75 | $19593.72 |  | 7.710% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34906.57 | 1 | $14250.00 | $3053.04 |  |  |  |  |  | 20.299% | 20.299% | 20.299% | 04/05/2022 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15950.75 |  | 5.070% | $0.00 | 3.8 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $309569.31 | 27.000% |  |  |  |  |  |  |
| 122504798 |  |  |  | Non QM |  | Yes | No | $3381.40 | $4141.22 |  | 6.034% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2774.59 | 1 | $1095.96 | $1329.00 |  |  |  |  |  | 47.500% | 47.500% | 47.500% | 03/08/2022 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3381.40 |  | 4.490% | $0.00 | 2.9 |  |  |  | No | No | 5.875% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  | HELOC | No |  |  |  |  |  |  | $29693.62 |  |  |  |  |  |  |  |
| 122326293 |  |  |  | Non QM |  | Yes | No | $19408.00 | $20892.14 |  | 5.811% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28333.98 | 1 | $44375.04 | $2863.20 |  |  |  |  |  | 45.798% | 45.798% | 45.798% | 03/07/2022 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19408.00 |  | 3.920% | $17000.00 | 4.4 |  |  |  | No | No | 5.750% | 2 | 1 | 1 | 0 | 3 | 1 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  |  | $757204.22 | 21.000% |  |  |  |  |  |  |
| 122396494 |  |  |  | Non QM |  | Yes | No | $11500.60 | $22320.07 |  | 5.813% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15753.44 | 1 | $14685.60 | $2439.96 |  |  |  |  |  | 44.743% | 44.743% | 44.743% | 03/11/2022 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 47.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 47.00% \| 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: 47.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 47.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 47.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11500.60 |  | 3.920% | $0.00 | 1.5 |  |  |  | Yes | No | 5.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $703270.28 | 29.000% |  |  |  |  |  |  |
| 122678510 |  |  |  | Non QM |  | Yes | No | $1595.00 | $9635.71 |  | 6.448% |  |  |  | No | Yes | Not Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $64746.11 | 1 | $31650.00 | $8471.04 |  |  |  |  |  | 32.454% | 32.454% | 32.454% | 04/01/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1595.00 |  | 4.740% | $0.00 | 1.9 |  |  |  | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $9666398.09 | 100.000% |  |  |  |  |  |  |
| 122522119 |  |  |  | Non QM |  | Yes | No | $5546.81 | $6484.04 |  | 6.912% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3917.67 | 1 | $3589.08 | $451.92 |  |  |  |  |  | 42.077% | 42.077% | 42.077% | 02/24/2022 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5546.81 |  | 4.790% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $20074.25 |  |  |  |  |  |  |  |
| 122325004 |  |  |  | Non QM |  | Yes | No | $8941.00 | $10065.68 |  | 6.936% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43923.46 | 1 | $5629.56 | $1980.96 |  |  |  |  |  | 18.124% | 18.124% | 18.124% | 02/04/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8941.00 |  | 4.740% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $7124.39 |  |  |  |  |  |  |  |
| 122318831 |  |  |  | Non QM |  | Yes | No | $39034.98 | $47086.38 |  | 6.595% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19992.79 | 1 | $32499.96 | $3243.96 |  |  |  |  |  | 46.062% | 46.062% | 46.062% | 04/12/2022 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $39034.98 |  | 4.230% | $0.00 | 1 |  |  |  | No | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $100019.15 | 4.000% |  |  |  |  |  |  |
| 122859181 |  |  |  | Non QM |  | Yes | No | $11406.80 | $12206.12 |  | 5.642% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10779.50 | 1 | $377.88 | $2387.04 |  |  |  |  |  | 27.488% | 27.488% | 27.488% | 04/12/2022 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11406.80 |  | 4.230% | $0.00 | 1.2 |  |  |  | No | No | 5.375% | 1 |  | 0 | 0 | 5 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $9825.91 |  |  |  |  |  |  |  |
| 122665141 |  |  |  | Non QM |  | Yes | No | $12490.00 | $14475.75 |  | 6.878% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11848.71 | 1 | $8499.96 | $1946.04 |  |  |  |  |  | 46.171% | 46.171% | 46.171% | 03/18/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| 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: 80.00000% \| 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: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12490.00 |  | 4.230% | $0.00 | 3.8 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $10000.00 | 1.000% |  |  |  |  |  |  |
| 122148732 |  |  |  | Non QM |  | Yes | No | $4495.38 | $6863.53 |  | 6.963% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19750.52 | 1 | $5212.56 | $626.16 |  |  |  |  |  | 28.874% | 28.874% | 28.874% | 04/05/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - C-Corp]; Other - 2022<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2022<br> [Borrower - \| Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2021<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4495.38 |  | 4.790% | $500.00 | 2.8 |  |  |  | N/A | No | 6.750% | 1 | 1 | 1 | 0 | 3 | 1 |  |  | 15.60 | No |  |  |  |  |  |  |  |  |  |  | $165543.20 | 40.000% |  |  |  |  |  |  |
| 122068082 |  |  |  | Non QM |  | Yes | No | $26972.48 | $28359.54 |  | 5.120% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $58577.21 | 1 | $14997.36 | $2715.00 |  |  |  |  |  | 11.310% | 7.974% | 11.310% | 03/22/2022 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $26972.48 |  | 4.230% | $0.00 | 1 |  |  |  | Yes | No | 4.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  | $132282.00 |  |  |  |  |  |  |  |
| 122940387 |  |  |  | N/A |  | Yes | No | $4038.00 | $5167.28 |  | 5.025% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17485.78 | 1 | $6757.68 | $1941.96 |  |  |  |  |  | 40.242% | 40.242% | 40.242% | 04/06/2022 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| 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: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4038.00 |  | 3.610% | $0.00 | 1 |  |  |  | No | No | 4.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $51213.11 |  |  |  |  |  |  |  |
| 122318750 |  |  |  | Non QM |  | Yes | No | $11617.80 | $14104.03 |  | 7.236% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11376.16 | 1 | $3863.16 | $2910.00 |  |  |  |  |  | 19.960% | 19.960% | 19.960% | 04/25/2022 | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 51.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11617.80 |  | 5.070% | $0.00 | 1.7 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $150113.77 | 35.000% |  |  |  |  |  |  |
| 122288387 |  |  |  | Non QM |  | Yes | No | $8971.86 | $10190.23 |  | 5.204% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5465.19 | 1 | $5664.96 | $1322.40 |  |  |  |  |  | 41.734% | 41.734% | 41.734% | 03/28/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8971.86 |  | 3.960% | $0.00 | 1 |  |  |  | N/A | No | 4.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122451160 |  |  |  | Non QM |  | Yes | No | $3156.22 | $3923.31 |  | 5.663% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5273.54 | 1 | $1397.52 | $1230.00 |  |  |  |  |  | 22.161% | 22.161% | 22.161% | 02/11/2022 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3156.22 |  | 3.960% | $0.00 | 1 |  |  |  | No | No | 5.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $44167.14 |  |  |  |  |  |  |  |
| 122662104 |  |  |  | Non QM |  | Yes | No | $10083.58 | $10820.41 |  | 5.101% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13026.82 | 1 | $3313.80 | $2009.04 |  |  |  |  |  | 17.146% | 17.146% | 17.146% | 04/15/2022 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10083.58 |  | 3.610% | $0.00 | 1.6 |  |  |  | No | No | 4.750% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122299517 |  |  |  | Non QM |  | Yes | No | $31362.98 | $33892.45 |  | 7.979% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34210.21 | 2 | $2058.84 | $2555.04 |  |  |  |  |  | 46.400% | 46.400% | 46.400% | 04/12/2022 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| 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: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $31362.98 |  | 4.740% | $0.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $751266.05 | 40.000% |  |  |  |  |  |  |
| 122992653 |  |  |  | Non QM |  | Yes | No | $16502.25 | $19391.11 |  | 4.817% |  |  |  | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $49770.06 | 1 | $15264.48 | $1594.08 |  |  |  |  |  | 14.564% | 14.564% | 14.564% | 02/08/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16502.25 |  | 3.760% | $0.00 | 2.5 |  |  |  | No | No | 4.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $434047.68 | 58.000% |  |  |  |  |  |  |
| 122248347 |  |  |  | Non QM |  | Yes | No | $8435.50 | $7711.22 |  | 6.335% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41483.02 | 1 | $16092.36 | $1968.12 |  |  |  |  |  | 26.496% | 26.496% | 26.496% | 03/28/2022 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8435.50 |  | 4.490% | $0.00 | 1.5 |  |  |  | Yes | No | 6.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122206582 |  |  |  | Non QM |  | Yes | No | $5118.00 | $4726.54 |  | 7.672% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4939.83 | 1 | $8812.56 | $1221.96 |  |  |  |  |  | 48.868% | 48.868% | 48.868% | 03/24/2022 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 84.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5118.00 |  | 5.070% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $335260.17 | 48.000% |  |  |  |  |  |  |
| 122076408 |  |  |  | Non QM |  | Yes | No | $10001.10 | $11313.54 |  | 6.985% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29924.71 | 1 | $3909.96 | $891.00 |  |  |  |  |  | 8.045% | 8.045% | 8.045% | 02/17/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10001.10 |  | 5.070% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $16516.04 | 7.000% |  |  |  |  |  |  |
| 122113731 |  |  |  | Non QM |  | Yes | No | $21790.03 | $12338.64 |  | 7.873% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35845.84 | 1 | $5785.56 | $3198.96 |  |  |  |  |  | 22.304% | 22.304% | 22.304% | 04/12/2022 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21790.03 |  | 5.180% | $0.00 | 4 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $261952.91 | 33.000% |  |  |  |  |  |  |
| 122003690 |  |  |  | Non QM |  | Yes | No | $12163.00 | $14630.10 |  | 5.706% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15643.53 | 1 | $26499.96 | $2507.04 |  |  |  |  |  | 49.278% | 49.278% | 49.278% | 02/08/2022 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12163.00 |  | 4.230% | $0.00 | 4.3 |  |  |  | No | No | 5.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $100621.00 | 5.000% |  |  |  |  |  |  |
| 122355848 |  |  |  | Non QM |  | Yes | No | $5363.00 | $7408.96 |  | 6.560% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14338.25 | 1 | $11292.00 | $1262.04 |  |  |  |  |  | 25.248% | 25.248% | 25.248% | 03/18/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5363.00 |  | 5.070% | $8100.00 | 1 |  |  |  | Yes | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $79177.89 | 19.000% |  |  |  |  |  |  |
| 122982419 |  |  |  | Non QM |  | Yes | No | $5083.16 | $8028.70 |  | 7.105% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23711.07 | 1 | $7908.60 | $1301.04 |  |  |  |  |  | 22.391% | 22.391% | 22.391% | 03/01/2022 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5083.16 |  | 4.490% | $0.00 | 1.7 |  |  |  | No | No | 7.000% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $220053.16 | 32.000% |  |  |  |  |  |  |
| 122504003 |  |  |  | Non QM |  | Yes | No | $16303.00 | $20331.74 |  | 6.977% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11961.30 | 1 | $10292.64 | $4708.68 |  |  |  |  |  | 41.866% | 41.866% | 41.866% | 04/18/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16303.00 |  | 4.230% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $50000.00 | 6.000% |  |  |  |  |  |  |
| 122174476 |  |  |  | Non QM |  | Yes | No | $7406.75 | $6116.51 |  | 7.106% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $8419.54 | 1 | $8687.52 | $865.08 |  |  |  |  |  | 28.751% | 28.751% | 28.751% | 04/08/2022 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7406.75 |  | 4.790% | $5000.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $291090.50 | 42.000% |  |  |  |  |  |  |
| 122433348 |  |  |  | Non QM |  | Yes | No | $10080.50 | $12159.27 |  | 7.347% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3673.79 | 1 | $8397.48 | $755.04 |  |  |  |  |  | 47.886% | 47.886% | 47.886% | 03/31/2022 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10080.50 |  | 5.070% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $159786.87 | 38.000% |  |  |  |  |  |  |
| 122711949 |  |  |  | Non QM |  | Yes | No | $24832.76 | $25934.81 |  | 5.291% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8530.21 | 1 | $3100.20 | $1179.96 |  |  |  |  |  | 40.488% | 40.488% | 40.488% | 03/03/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $24832.76 |  | 3.960% | $0.00 | 1.6 |  |  |  | N/A | No | 4.875% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $248496.12 | 35.000% |  |  |  |  |  |  |
| 122223370 |  |  |  | Non QM |  | Yes | No | $11923.06 | $15838.96 |  | 6.786% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $7478.14 | 1 | $7562.52 | $1604.04 |  |  |  |  |  | 39.846% | 39.846% | 39.846% | 02/23/2022 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.56000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.56000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.56000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.56000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.56000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11923.06 |  | 3.920% | $0.00 | 2.5 |  |  |  | No | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $103863.98 | 17.000% |  |  |  |  |  |  |
| 122948625 |  |  |  | Non QM |  | Yes | No | $1590.00 | $4498.73 |  | 6.809% |  |  |  | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6473.33 | 1 | $1981.56 | $830.04 |  |  |  |  |  | 45.447% | 45.447% | 45.447% | 04/12/2022 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Deposit Receipt - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2017<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2020<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1590.00 |  | 4.790% | $0.00 |  |  |  |  | No | No | 6.750% | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $607193.98 | 100.000% |  |  |  |  |  |  |
| 122497218 |  |  |  | Non QM |  | Yes | No | $30610.00 | $41649.79 |  | 4.610% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26888.78 | 1 | $15393.36 | $5592.60 |  |  |  |  |  | 45.272% | 45.272% | 45.272% | 04/05/2022 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $30610.00 |  | 3.610% | $3000.00 | 2.7 |  |  |  | No | No | 4.500% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  |  | $1518179.39 | 47.000% |  |  |  |  |  |  |
| 122334588 |  |  |  | Non QM |  | Yes | No | $14546.60 | $19363.45 |  | 5.860% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16938.45 | 1 | $4412.16 | $5321.16 |  |  |  |  |  | 35.502% | 35.502% | 35.502% | 02/18/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14546.60 |  | 3.920% | $0.00 | 4.9 |  |  |  | No | No | 5.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $152220.73 |  |  |  |  |  |  |  |
| 122045603 |  |  |  | N/A |  | Yes | No | $12401.22 | $13631.29 |  | 6.903% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19023.02 | 1 | $1896.36 | $474.96 |  |  |  |  |  | 38.304% | 38.304% | 38.304% | 04/18/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| 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: 80.00000% \| 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: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12401.22 |  | 5.070% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $102500.67 |  |  |  |  |  |  |  |
| 122994750 |  |  |  | Non QM |  | Yes | No | $26553.40 | $34917.67 |  | 7.370% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26581.38 | 1 | $30000.00 | $1714.20 |  |  |  |  |  | 45.744% | 42.687% | 45.744% | 03/30/2022 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $26553.40 |  | 5.070% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 14.67 | No |  |  |  |  |  |  |  |  | 360 |  | $694771.16 | 29.000% |  |  |  |  |  |  |
| 122366804 |  |  |  | N/A |  | Yes | No | $13089.57 | $14371.99 |  | 6.900% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18624.32 | 1 | $2109.00 | $492.00 |  |  |  |  |  | 39.597% | 39.597% | 39.597% | 04/18/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13089.57 |  | 5.070% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122683406 |  |  |  | Non QM |  | Yes | No | $7998.43 | $9423.90 |  | 7.571% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33851.11 | 1 | $5261.40 | $2598.00 |  |  |  |  |  | 12.478% | 12.478% | 12.478% | 04/14/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7998.43 |  | 5.070% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $52896.16 | 11.000% |  |  |  |  |  |  |
| 122684464 |  |  |  | N/A |  | Yes | No | $13529.31 | $14783.69 |  | 6.927% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18770.38 | 1 | $1917.96 | $401.64 |  |  |  |  |  | 39.124% | 39.124% | 39.124% | 04/18/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| 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: 80.00000% \| 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: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13529.31 |  | 5.070% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $102924.19 |  |  |  |  |  |  |  |
| 122521549 |  |  |  | Non QM |  | Yes | No | $11709.92 | $13506.22 |  | 6.469% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16647.94 | 1 | $9293.04 | $612.00 |  |  |  |  |  | 38.972% | 38.972% | 38.972% | 03/29/2022 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; Third Party Verification - 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]; Third Party Verification - 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 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11709.92 |  | 5.180% | $1000.00 | 1 |  |  |  | Yes | No | 6.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $249911.30 | 39.000% |  |  |  |  |  |  |
| 122922870 |  |  |  | Non QM |  | Yes | No | $8434.58 | $10032.69 |  | 5.529% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9577.55 | 1 | $5270.04 | $707.04 |  |  |  |  |  | 18.831% | 18.831% | 18.831% | 05/10/2022 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8434.58 |  | 4.230% | $0.00 | 3 |  |  |  | No | No | 5.250% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $152481.26 | 36.000% |  |  |  |  |  |  |
| 122232370 |  |  |  | Non QM |  | Yes | No | $5215.00 | $6884.26 |  | 6.365% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7450.04 | 1 | $1964.76 | $498.96 |  |  |  |  |  | 39.416% | 39.416% | 39.416% | 04/27/2022 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5215.00 |  | 5.070% | $0.00 | 1 |  |  |  | No | No | 6.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $118405.68 | 35.000% |  |  |  |  |  |  |
| 122879586 |  |  |  | Non QM |  | Yes | No | $55061.75 | $61254.34 |  | 4.428% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $42894.08 | 1 | $25463.76 | $5613.96 |  |  |  |  |  | 23.837% | 23.837% | 23.837% | 04/05/2022 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $55061.75 |  | 4.790% | $0.00 | 1 |  |  |  | Yes | No | 4.125% | 0 | 0 | 0 | 0 | 4 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $947097.33 | 42.000% |  |  |  |  |  |  |
| 122616836 |  |  |  | Non QM |  | Yes | No | $8591.35 | $9921.61 |  | 6.070% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5482.14 | 1 | $2114.16 | $2574.72 |  |  |  |  |  | 27.778% | 27.778% | 27.778% | 03/11/2022 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8591.35 |  | 4.230% | $0.00 | 1.3 |  |  |  | N/A | No | 5.625% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $4913.13 |  |  |  |  |  |  |  |
| 122160435 |  |  |  | Non QM |  | Yes | No | $3859.71 | $5539.49 |  | 7.109% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7720.84 | 1 | $1148.04 | $1493.04 |  |  |  |  |  | 46.570% | 46.570% | 46.570% | 04/08/2022 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3859.71 |  | 4.740% | $0.00 | 2.6 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $245014.00 | 46.000% |  |  |  |  |  |  |
| 122892133 |  |  |  | Non QM |  | Yes | No | $12685.21 | $14690.22 |  | 6.043% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4452.94 | 1 | $3138.24 | $1293.36 |  |  |  |  |  | 40.194% | 40.194% | 40.194% | 04/06/2022 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 0 | 0 |  |  |  | $12685.21 |  | 4.790% | $0.00 | 1 |  |  |  | No | No | 5.750% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $65970.99 |  |  |  |  |  |  |  |
| 122442716 |  |  |  | Non QM |  | Yes | No | $11992.75 | $14059.88 |  | 7.298% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32220.65 | 1 | $4949.04 | $1491.96 |  |  |  |  |  | 18.320% | 18.320% | 18.320% | 04/20/2022 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11992.75 |  | 5.180% | $0.00 | 2.6 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $28209.75 |  |  |  |  |  |  |  |
| 122876608 |  |  |  | Non QM |  | Yes | No | $5418.50 | $7426.06 |  | 6.634% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5997.72 | 1 | $4389.72 | $4765.44 |  |  |  |  |  | 48.670% | 48.670% | 48.670% | 03/03/2022 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5418.50 |  | 5.070% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $425813.10 | 59.000% |  |  |  |  |  |  |
| 122873457 |  |  |  | N/A |  | Yes | No | $5821.01 | $9160.80 |  | 7.524% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8275.31 | 1 | $650.52 | $898.44 |  |  |  |  |  | 32.729% | 32.729% | 32.729% | 03/01/2022 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $5821.01 |  | 5.180% | $0.00 | 2.5 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $15000.00 | 5.000% |  |  |  |  |  |  |
| 122033934 |  |  |  | Non QM |  | Yes | No | $5490.00 | $6692.44 |  | 5.852% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2504.12 | 1 | $1376.16 | $760.68 |  |  |  |  |  | 46.082% | 46.082% | 46.082% | 02/14/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5490.00 |  | 3.960% | $0.00 | 1 |  |  |  | No | No | 5.625% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $14736.81 |  |  |  |  |  |  |  |
| 122996416 |  |  |  | Non QM |  | Yes | No | $14645.27 | $18756.22 |  | 7.639% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5440.66 | 1 | $8625.00 | $1230.96 |  |  |  |  |  | 48.581% | 48.581% | 48.581% | 03/02/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14645.27 |  | 5.180% | $0.00 | 1 |  |  |  | No | No | 7.375% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $66345.85 | 10.000% |  |  |  |  |  |  |
| 122923735 |  |  |  | Non QM |  | Yes | No | $3577.88 | $5580.77 |  | 6.415% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5524.03 | 1 | $4687.56 | $804.12 |  |  |  |  |  | 47.521% | 47.521% | 47.521% | 04/27/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3577.88 |  | 5.180% | $0.00 | 1 |  |  |  | No | No | 6.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $51517.58 | 14.000% |  |  |  |  |  |  |
| 122076043 |  |  |  | Non QM |  | Yes | No | $18629.12 | $22211.61 |  | 5.944% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9005.92 | 1 | $7570.80 | $1983.00 |  |  |  |  |  | 45.193% | 45.193% | 45.193% | 02/16/2022 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18629.12 |  | 3.960% | $0.00 | 1 |  |  |  | No | No | 5.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $221767.70 | 30.000% |  |  |  |  |  |  |
| 122200378 |  |  |  | Non QM |  | Yes | No | $1458.00 | $2103.56 |  | 7.009% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4848.37 | 1 | $2295.00 | $1049.16 |  |  |  |  |  | 49.313% | 49.313% | 49.313% | 04/20/2022 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1458.00 |  | 5.070% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $81868.60 | 50.000% |  |  |  |  |  |  |
| 122394369 |  |  |  | Non QM |  | Yes | No | $21400.90 | $25468.26 |  | 4.907% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10748.56 | 1 | $17228.28 | $4457.04 |  |  |  |  |  | 49.129% | 49.129% | 49.129% | 05/03/2022 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21400.90 |  | 3.760% | $0.00 | 1 |  |  |  | Yes | No | 4.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122976401 |  |  |  | Non QM |  | Yes | No | $41396.20 | $46061.70 |  | 6.280% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $58106.20 | 2 | $16238.76 | $7894.08 |  |  |  |  |  | 29.514% | 29.514% | 29.514% | 02/22/2022 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $41396.20 |  | 4.490% | $0.00 |  |  |  |  | No | No | 6.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $932744.28 | 45.000% |  |  |  |  |  |  |
| 122731615 |  |  |  | Non QM |  | Yes | No | $9230.96 | $10963.91 |  | 5.878% |  |  |  | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5531.26 | 1 | $3264.96 | $1139.04 |  |  |  |  |  | 28.238% | 28.238% | 28.238% | 05/05/2022 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9230.96 |  | 3.920% | $2000.00 | 1 |  |  |  | No | No | 5.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $885664.02 | 100.000% |  |  |  |  |  |  |
| 122920355 |  |  |  | Non QM |  | Yes | No | $23817.54 | $15055.87 |  | 6.959% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10432.09 | 1 | $6174.72 | $1223.04 |  |  |  |  |  | 30.754% | 30.754% | 30.754% | 04/07/2022 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $23817.54 |  | 5.070% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $174500.32 | 26.000% |  |  |  |  |  |  |
| 122308981 |  |  |  | Non QM |  | Yes | No | $14483.00 | $17458.69 |  | 5.944% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17769.11 | 1 | $4866.84 | $867.48 |  |  |  |  |  | 40.328% | 35.417% | 40.328% | 03/21/2022 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 36.970% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 36.97% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 36.97% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 36.97% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 36.97% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 36.97% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14483.00 |  | 4.230% | $12000.00 | 5 |  |  |  | No | No | 5.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  | $467684.37 | 57.000% |  |  |  |  |  |  |
| 122607605 |  |  |  | Non QM |  | Yes | No | $12803.80 | $14919.23 |  | 5.457% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3719.92 | 1 | $2373.96 | $1178.88 |  |  |  |  |  | 47.991% | 47.991% | 47.991% | 05/04/2022 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12803.80 |  | 4.490% | $0.00 | 2.6 |  |  |  | Yes | No | 5.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $47317.05 |  |  |  |  |  |  |  |
| 122909452 |  |  |  | Non QM |  | Yes | No | $9406.75 | $11125.08 |  | 6.711% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5520.04 | 1 | $2717.28 | $1363.92 |  |  |  |  |  | 41.672% | 41.672% | 41.672% | 03/07/2022 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9406.75 |  | 3.830% | $0.00 | 2 |  |  |  | No | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $48047.90 |  |  |  |  |  |  |  |
| 122365501 |  |  |  | Non QM |  | Yes | No | $7183.84 | $8791.44 |  | 6.949% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6988.58 | 1 | $1719.00 | $1505.76 |  |  |  |  |  | 37.063% | 37.063% | 37.063% | 03/22/2022 | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Personal | 69.000% | 100.000% |  |  | [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7183.84 |  | 4.740% | $0.00 | 2.6 |  |  |  | Yes | No | 6.750% | 0 | 3 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $24778.47 |  |  |  |  |  |  |  |
| 122047709 |  |  |  | Non QM |  | Yes | No | $17293.00 | $21546.23 |  | 6.673% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $189723.98 | 1 | $13314.48 | $2838.00 |  |  |  |  |  | 7.733% | 7.733% | 7.733% | 04/08/2022 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 93.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 93.00% \| 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: 93.00% \| 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: 93.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 93.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 93.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 93.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17293.00 |  | 5.180% | $0.00 | 1.2 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $211422.21 | 18.000% |  |  |  |  |  |  |
| 122798459 |  |  |  | Non QM |  | Yes | No | $3735.98 | $1064.21 |  | 6.676% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9074.50 | 1 | $2375.04 | $0.00 |  |  |  |  |  | 21.885% | 21.885% | 21.885% | 03/09/2022 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3735.98 |  | 4.790% | $9114.10 | 2.6 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $63001.11 | 33.000% |  |  |  |  |  |  |
| 122599529 |  |  |  | Non QM |  | Yes | No | $27415.50 | $43115.76 |  | 6.210% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42251.65 | 1 | $16422.96 | $12331.92 |  |  |  |  |  | 21.427% | 21.427% | 21.427% | 04/06/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $27415.50 |  | 4.740% | $0.00 | 1.2 |  |  |  | Yes | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $309499.53 |  |  |  |  |  |  |  |
| 122470562 |  |  |  | Non QM |  | Yes | No | $12779.13 | $17597.50 |  | 7.247% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $191576.90 | 1 | $8562.48 | $1174.20 |  |  |  |  |  | 3.513% | 3.513% | 3.513% | 04/05/2022 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12779.13 |  | 4.740% | $0.00 | 2.6 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $36065.41 | 5.000% |  |  |  |  |  |  |
| 122524798 |  |  |  | Non QM |  | Yes | No | $8481.20 | $11407.43 |  | 7.646% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4983.04 | 1 | $2149.68 | $3108.00 |  |  |  |  |  | 37.577% | 37.577% | 37.577% | 04/08/2022 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8481.20 |  | 4.790% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 1 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $41224.17 | 14.000% |  |  |  |  |  |  |
| 122640733 |  |  |  | Non QM |  | Yes | No | $6809.40 | $7959.63 |  | 7.351% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8688.90 | 1 | $2952.24 | $423.00 |  |  |  |  |  | 50.001% | 50.001% | 50.001% | 05/12/2022 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6809.40 |  | 4.740% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $5000.00 | 2.000% |  |  |  |  |  |  |
| 122627610 |  |  |  | Non QM |  | Yes | No | $13425.39 | $8881.43 |  | 7.429% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8345.46 | 1 | $7110.24 | $1716.96 |  |  |  |  |  | 35.298% | 35.298% | 35.298% | 04/01/2022 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% |  | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2020<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13425.39 |  | 5.180% | $17000.00 | 2.6 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $107135.59 | 21.000% |  |  |  |  |  |  |
| 122519438 |  |  |  | N/A |  | Yes | No | $1364.00 | $5995.81 |  | 7.088% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21892.83 | 1 | $7749.96 | $632.04 |  |  |  |  |  | 47.206% | 47.206% | 47.206% | 04/15/2022 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: Third Party Verification \| # 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: Third Party Verification \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1364.00 |  | 5.180% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $548681.80 | 88.000% |  |  |  |  |  |  |
| 122165389 |  |  |  | N/A |  | Yes | No | $9353.00 | $14522.94 |  | 7.551% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24096.00 | 2 | $11237.52 | $1179.96 |  |  |  |  |  | 30.973% | 30.973% | 30.973% | 04/14/2022 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9353.00 |  | 5.070% | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $26970.00 | 3.000% |  |  |  |  |  |  |
| 122249706 |  |  |  | Non QM |  | Yes | No | $23069.24 | $763.99 |  | 7.248% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7901.52 | 1 | $6624.96 | $744.00 |  |  |  |  |  | 40.227% | 40.227% | 40.227% | 04/18/2022 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $23069.24 |  | 5.180% | $18000.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $94657.57 | 18.000% |  |  |  |  |  |  |
| 122326658 |  |  |  | N/A |  | Yes | No | $13990.08 | $18235.18 |  | 6.394% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37923.53 | 1 | $9375.00 | $675.00 |  |  |  |  |  | 17.287% | 17.287% | 17.287% | 04/21/2022 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13990.08 |  | 5.180% | $0.00 | 1 |  |  |  | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $121680.14 | 16.000% |  |  |  |  |  |  |
| 122815940 |  |  |  | Non QM |  | Yes | No | $13802.44 | $17406.45 |  | 5.827% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11280.72 | 1 | $7601.88 | $858.96 |  |  |  |  |  | 32.684% | 32.684% | 32.684% | 02/14/2022 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13802.44 |  | 4.230% | $0.00 | 1.6 |  |  |  | No | No | 5.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $37758.55 |  |  |  |  |  |  |  |
| 122977678 |  |  |  | Non QM |  | Yes | No | $4500.50 | $5284.15 |  | 6.116% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2356.08 | 1 | $2089.08 | $835.80 |  |  |  |  |  | 42.879% | 42.879% | 42.879% | 04/21/2022 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4500.50 |  | 3.960% | $0.00 | 2.6 |  |  |  | No | No | 5.875% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $7854.46 |  |  |  |  |  |  |  |
| 122235486 |  |  |  | Non QM |  | Yes | No | $5294.68 | $7940.74 |  | 6.872% |  |  |  | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4123.67 | 1 | $5796.12 | $735.96 |  |  |  |  |  | 49.925% | 49.925% | 49.925% | 02/25/2022 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5294.68 |  | 5.180% | $0.00 | 1 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $327217.49 | 50.000% |  |  |  |  |  |  |
| 122682004 |  |  |  | Non QM |  | Yes | No | $5448.00 | $8231.58 |  | 5.596% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6660.57 | 1 | $7116.48 | $1386.12 |  |  |  |  |  | 47.217% | 47.217% | 47.217% | 02/18/2022 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5448.00 |  | 3.990% | $0.00 | 1.5 |  |  |  | Yes | No | 5.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  | HELOC | No |  |  |  |  |  |  | $38178.30 |  |  |  |  |  |  |  |
| 122964746 |  |  |  | Non QM |  | Yes | No | $9629.50 | $10736.62 |  | 5.224% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6131.21 | 1 | $1952.16 | $1515.00 |  |  |  |  |  | 36.326% | 27.483% | 36.326% | 03/02/2022 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9629.50 |  | 3.830% | $0.00 | 999 |  |  |  | No | No | 5.000% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  |  |  |  |  |  |  |  |  |
| 122326562 |  |  |  | N/A |  | Yes | No | $19301.06 | $22372.29 |  | 5.042% |  |  |  | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $47029.04 | 1 | $1138.20 | $1157.64 |  |  |  |  |  | 33.380% | 33.380% | 33.380% | 04/27/2022 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19301.06 |  | 3.830% | $0.00 | 5 |  |  |  | No | No | 4.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $282693.58 | 36.000% |  |  |  |  |  |  |
| 122606708 |  |  |  | Non QM |  | Yes | No | $1595.00 | $8174.56 |  | 6.654% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12977.42 | 1 | $29763.96 | $2729.04 |  |  |  |  |  | 49.628% | 49.628% | 49.628% | 03/03/2022 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1595.00 |  | 5.180% | $8500.00 | 1 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $1001661.12 | 40.000% |  |  |  |  |  |  |
| 122546601 |  |  |  | Non QM |  | Yes | No | $5967.06 | $7808.61 |  | 7.213% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13836.90 | 1 | $2364.00 | $2747.04 |  |  |  |  |  | 48.738% | 48.738% | 48.738% | 03/08/2022 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5967.06 |  | 5.180% | $0.00 | 1.4 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  |  | $146864.24 | 18.000% |  |  |  |  |  |  |
| 122109505 |  |  |  | Non QM |  | Yes | No | $10363.60 | $12974.11 |  | 6.614% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10790.34 | 1 | $3764.16 | $895.92 |  |  |  |  |  | 25.281% | 25.281% | 25.281% | 03/25/2022 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10363.60 |  | 5.070% | $0.00 | 1 |  |  |  | No | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $48071.75 | 8.000% |  |  |  |  |  |  |
| 122089072 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $4676.28 | $1281.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/04/2022 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122362665 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3628.68 | $1383.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/04/2022 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  |  | $98693.45 | 55.000% |  |  |  |  |  |  |
| 122156660 |  |  |  | N/A |  | Yes | No | $13162.50 |  |  | 7.485% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $257630.64 | 1 | $2395.20 | $1196.04 |  |  |  |  |  | 5.141% | 5.141% | 5.141% | 04/26/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13162.50 |  | 5.780% | $0.00 | 4.3 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $162744.08 | 28.000% |  |  |  |  |  |  |
| 122054748 |  |  |  | Non QM |  | Yes | No | $13556.50 | $14611.15 |  | 8.148% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6621.25 | 1 | $2313.24 | $921.00 |  |  |  |  |  | 41.668% | 41.668% | 41.668% | 06/10/2022 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13556.50 |  | 5.580% | $25000.00 | 3.7 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $157079.08 | 23.000% |  |  |  |  |  |  |
| 122414336 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $8595.00 | $10111.82 |  | 7.401% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4441.88 | 1 | $11045.16 | $1127.04 |  |  |  |  |  | 48.920% | 48.920% | 48.920% | 07/20/2022 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 44.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Child Support]; Other - 2022<br> [Borrower - \| Non-Primary Income - Child Support]; Other - 2022<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2018<br> [Borrower - \| Non-Primary Income - Child Support]; Divorce Decree - 2018<br> [Borrower - \| Non-Primary Income - Alimony]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Alimony]; Other - 2022<br> [Borrower - \| Non-Primary Income - Alimony]; Other - 2022<br> [Borrower - \| Non-Primary Income - Alimony]; Divorce Decree - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8595.00 |  | 5.580% | $0.00 | 2.5 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 2 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $240369.80 | 46.000% |  |  |  |  |  |  |
| 122209588 |  |  |  | Non QM |  | Yes | No | $32416.30 | $20057.84 |  | 7.511% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9215.64 | 1 | $10625.04 | $2527.44 |  |  |  |  |  | 43.800% | 43.800% | 43.800% | 06/27/2022 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $32416.30 |  | 5.780% | $22950.00 | 2.4 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $10000.00 | 1.000% |  |  |  |  |  |  |
| 122166188 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3113.88 | $940.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2022 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  |  | $50908.32 | 27.000% |  |  |  |  |  |  |
| 122988576 |  |  |  | Non QM |  | Yes | No | $20800.00 | $23426.12 |  | 8.059% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $100864.04 | 1 | $17874.96 | $1476.96 |  |  |  |  |  | 34.419% | 34.419% | 34.419% | 06/13/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20800.00 |  | 5.370% | $0.00 | 3.5 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $674541.79 | 47.000% |  |  |  |  |  |  |
| 122869373 |  |  |  | Non QM |  | Yes | No | $28432.12 | $30635.72 |  | 8.163% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17252.44 | 1 | $17555.04 | $1849.44 |  |  |  |  |  | 38.715% | 38.715% | 38.715% | 07/05/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $28432.12 |  | 5.780% | $105002.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $114103.48 | 9.000% |  |  |  |  |  |  |
| 122281830 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  |  | 1 | $10625.04 | $954.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2022 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  |  |  |  |  |  | $554338.01 | 65.000% |  |  |  |  |  |  |
| 122061428 |  |  |  | Non QM |  | Yes | No | $19184.00 | $31381.65 |  | 8.619% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17593.54 | 1 | $18241.20 | $12329.04 |  |  |  |  |  | 48.968% | 46.157% | 48.968% | 06/01/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19184.00 |  | 5.580% | $0.00 | 1.5 |  |  |  | Yes | No | 8.500% | 0 |  | 2 | 0 | 3 | 2 |  |  | 17.00 | No |  |  |  |  |  |  |  |  | 360 |  | $147537.62 | 7.000% |  |  |  |  |  |  |
| 122524328 |  |  |  | Non QM |  | Yes | No | $19034.42 | $17425.27 |  | 8.387% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5900.00 | 1 | $11867.76 | $1845.00 |  |  |  |  |  | 44.901% | 44.901% | 44.901% | 07/18/2022 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| 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: 7.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19034.42 |  | 5.580% | $10000.00 | 3.2 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $133667.89 | 23.000% |  |  |  |  |  |  |
| 122206327 |  |  |  | Non QM |  | Yes | No | $18497.24 | $21714.67 |  | 8.024% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4999.73 | 1 | $6193.20 | $3447.00 |  |  |  |  |  | 48.179% | 48.179% | 48.179% | 06/29/2022 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18497.24 |  | 5.370% | $600.00 | 2.6 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 18.47 | No |  |  |  |  |  |  |  |  |  |  | $350683.73 | 68.000% |  |  |  |  |  |  |
| 122514743 |  |  |  | Non QM |  | Yes | No | $17015.00 | $20359.62 |  | 6.986% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $15720.32 | 1 | $9656.28 | $1103.76 |  |  |  |  |  | 29.084% | 29.084% | 29.084% | 05/25/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17015.00 |  | 5.330% | $0.00 | 2.2 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  |  |  |  |  |  |  |
| 122437330 |  |  |  | Non QM |  | Yes | No | $11642.50 | $15781.49 |  | 8.918% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20613.67 | 1 | $10091.52 | $1764.96 |  |  |  |  |  | 16.228% | 16.228% | 16.228% | 06/28/2022 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11642.50 |  | 5.610% | $45000.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $19898.71 | 5.000% |  |  |  |  |  |  |
| 122260487 |  |  |  | Non QM |  | Yes | No | $24973.00 | $28530.50 |  | 7.186% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13721.75 | 2 | $5156.88 | $1967.04 |  |  |  |  |  | 24.779% | 24.779% | 24.779% | 05/11/2022 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $24973.00 |  | 5.580% | $0.00 |  |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122164333 |  |  |  | Non QM |  | Yes | No | $11651.25 | $14305.47 |  | 8.707% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5407.15 | 1 | $3328.68 | $284.04 |  |  |  |  |  | 44.949% | 44.949% | 44.949% | 07/05/2022 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11651.25 |  | 5.610% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122687393 |  |  |  | Non QM |  | Yes | No | $5857.50 | $7950.54 |  | 10.247% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4261.35 | 1 | $2075.88 | $1407.00 |  |  |  |  |  | 42.133% | 42.133% | 42.133% | 05/31/2022 | 624 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5857.50 |  | 5.580% | $0.00 | 4.5 |  |  |  | No | No | 9.875% | 0 |  | 0 | 0 | 2 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122142430 |  |  |  | Non QM |  | Yes | No | $4125.00 | $6450.09 |  | 6.973% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2935.22 | 1 | $3812.52 | $771.00 |  |  |  |  |  | 42.925% | 42.925% | 42.925% | 05/12/2022 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4125.00 |  | 5.350% | $3000.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $8021.71 | 3.000% |  |  |  |  |  |  |
| 122556658 |  |  |  | Non QM |  | Yes | No | $4050.00 | $5830.57 |  | 6.903% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7078.83 | 1 | $3319.08 | $531.00 |  |  |  |  |  | 41.148% | 41.148% | 41.148% | 05/02/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4050.00 |  | 5.170% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $7753.91 |  |  |  |  |  |  |  |
| 122334564 |  |  |  | Non QM |  | Yes | No | $12781.66 | $15317.78 |  | 8.160% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4333.69 | 1 | $7568.40 | $1070.40 |  |  |  |  |  | 45.987% | 45.987% | 45.987% | 05/31/2022 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12781.66 |  | 5.350% | $5000.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $115312.48 | 29.000% |  |  |  |  |  |  |
| 122068615 |  |  |  | Non QM |  | Yes | No | $20223.40 | $27465.29 |  | 5.952% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15685.97 | 1 | $17499.96 | $1164.96 |  |  |  |  |  | 34.372% | 34.372% | 34.372% | 04/07/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 46.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20223.40 |  | 5.180% | $10568.00 | 4.5 |  |  |  | No | No | 5.750% | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $503314.04 | 36.000% |  |  |  |  |  |  |
| 122831056 |  |  |  | Non QM |  | Yes | No | $13982.80 | $5614.76 |  | 7.310% |  |  |  | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13008.36 | 1 | $10312.56 | $2913.00 |  |  |  |  |  | 31.532% | 31.532% | 31.532% | 05/17/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 78.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13982.80 |  | 5.350% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 2 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $342090.69 | 41.000% |  |  |  |  |  |  |
| 122304909 |  |  |  | Non QM |  | Yes | No | $6172.80 | $8187.67 |  | 6.930% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8012.69 | 1 | $9035.76 | $561.96 |  |  |  |  |  | 30.551% | 30.551% | 30.551% | 05/03/2022 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6172.80 |  | 5.170% | $0.00 | 1 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $168398.13 | 37.000% |  |  |  |  |  |  |
| 122947103 |  |  |  | Non QM |  | Yes | No | $5533.42 | $8325.57 |  | 6.178% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3183.79 | 1 | $7718.76 | $1467.00 |  |  |  |  |  | 49.690% | 49.690% | 49.690% | 03/16/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 68.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5533.42 |  | 5.170% | $800.00 | 1 |  |  |  | No | No | 6.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122842880 |  |  |  | Non QM |  | Yes | No | $9989.40 | $13039.18 |  | 6.535% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12572.40 | 1 | $11250.00 | $1695.00 |  |  |  |  |  | 30.970% | 30.970% | 30.970% | 05/03/2022 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9989.40 |  | 5.170% | $0.00 | 3.1 |  |  |  | Yes | No | 6.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $212898.42 | 24.000% |  |  |  |  |  |  |
| 122245603 |  |  |  | Non QM |  | Yes | No | $5060.00 | $8111.40 |  | 7.970% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10351.65 | 1 | $4687.56 | $767.16 |  |  |  |  |  | 33.226% | 33.226% | 33.226% | 04/21/2022 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5060.00 |  | 5.350% | $3000.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $69436.91 | 19.000% |  |  |  |  |  |  |
| 122135294 |  |  |  | Non QM |  | Yes | No | $16203.00 | $18655.53 |  | 7.078% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31828.65 | 1 | $1189.92 | $2430.00 |  |  |  |  |  | 20.546% | 20.546% | 20.546% | 04/19/2022 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16203.00 |  | 5.170% | $0.00 | 2.6 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $364833.88 | 32.000% |  |  |  |  |  |  |
| 122614250 |  |  |  | Non QM |  | Yes | No | $4939.92 | $7391.62 |  | 7.809% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17545.01 | 1 | $2627.76 | $1314.96 |  |  |  |  |  | 18.210% | 18.210% | 18.210% | 04/04/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4939.92 |  | 5.070% | $1500.00 | 4.4 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $155901.76 | 39.000% |  |  |  |  |  |  |
| 122364252 |  |  |  | Non QM |  | Yes | No | $8403.31 | $10475.01 |  | 7.661% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20619.79 | 1 | $14505.72 | $2205.00 |  |  |  |  |  | 23.579% | 23.579% | 23.579% | 04/12/2022 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8403.31 |  | 5.170% | $0.00 | 1.3 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $7000.00 | 1.000% |  |  |  |  |  |  |
| 122254191 |  |  |  | Non QM |  | Yes | No | $15642.60 | $18175.84 |  | 6.785% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $482410.96 | 1 | $11274.36 | $2913.00 |  |  |  |  |  | 1.219% | 1.219% | 1.219% | 04/04/2022 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 35.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| 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: 35.00% \| 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: 35.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15642.60 |  | 5.170% | $0.00 | 2.6 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $135000.00 | 19.000% |  |  |  |  |  |  |
| 122589200 |  |  |  | Non QM |  | Yes | No | $9331.35 | $7279.51 |  | 6.448% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16855.77 | 1 | $7135.56 | $0.00 |  |  |  |  |  | 12.701% | 12.701% | 12.701% | 04/19/2022 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9331.35 |  | 5.350% | $2000.00 | 1 |  |  |  | Yes | No | 6.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $172402.00 | 49.000% |  |  |  |  |  |  |
| 122834825 |  |  |  | Non QM |  | Yes | No | $14567.00 | $21784.67 |  | 6.386% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14889.40 | 1 | $21562.56 | $1322.04 |  |  |  |  |  | 48.110% | 48.110% | 48.110% | 04/27/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 87.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14567.00 |  | 5.170% | $0.00 | 1 |  |  |  | No | No | 6.250% | 0 | 3 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $375144.96 | 22.000% |  |  |  |  |  |  |
| 122735405 |  |  |  | Non QM |  | Yes | No | $14061.44 | $4960.22 |  | 7.165% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6265.16 | 1 | $10822.32 | $1182.12 |  |  |  |  |  | 45.067% | 45.067% | 45.067% | 04/08/2022 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14061.44 |  | 5.330% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $62949.68 |  |  |  |  |  |  |  |
| 122385922 |  |  |  | Non QM |  | Yes | No | $6102.32 | $9969.73 |  | 6.877% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14742.83 | 1 | $5437.56 | $2349.96 |  |  |  |  |  | 34.270% | 34.270% | 34.270% | 03/29/2022 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6102.32 |  | 5.350% | $3000.00 | 1.1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $77980.70 | 18.000% |  |  |  |  |  |  |
| 122345409 |  |  |  | Non QM |  | Yes | No | $8080.29 | $3485.45 |  | 6.745% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3405.61 | 1 | $2939.04 | $3051.96 |  |  |  |  |  | 37.279% | 37.279% | 37.279% | 04/23/2022 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8080.29 |  | 5.330% | $0.00 | 1 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $266346.69 | 67.000% |  |  |  |  |  |  |
| 122988690 |  |  |  | Non QM |  | Yes | No | $54321.80 | $36945.03 |  | 6.091% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31542.36 | 1 | $43125.00 | $11861.16 |  |  |  |  |  | 45.165% | 45.165% | 45.165% | 05/13/2022 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $54321.80 |  | 5.350% | $50000.00 | 3.3 |  |  |  | No | No | 6.000% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $1072009.24 | 31.000% |  |  |  |  |  |  |
| 122929660 |  |  |  | Non QM |  | Yes | No | $24376.41 | $10519.77 |  | 7.865% |  |  |  | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15291.58 | 1 | $3819.96 | $3334.44 |  |  |  |  |  | 39.417% | 39.417% | 39.417% | 05/17/2022 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $24376.41 |  | 5.380% | $4000.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $252252.22 | 30.000% |  |  |  |  |  |  |
| 122882289 |  |  |  | Non QM |  | Yes | No | $3902.00 | $6383.98 |  | 6.714% |  |  |  | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $46596.99 | 1 | $2749.68 | $2253.96 |  |  |  |  |  | 18.522% | 18.522% | 18.522% | 04/04/2022 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3902.00 |  | 5.330% | $0.00 | 3.1 |  |  |  | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $328669.86 |  |  |  |  |  |  |  |
| 122017663 |  |  |  | Non QM |  | Yes | No | $6760.08 | $16353.30 |  | 7.851% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19531.83 | 1 | $15312.48 | $1459.20 |  |  |  |  |  | 33.963% | 33.963% | 33.963% | 04/25/2022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6760.08 |  | 5.380% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 1 |  | 1 | 0 | 3 | 1 |  |  | 15.64 | No |  |  |  |  |  |  |  |  |  |  | $275644.31 | 23.000% |  |  |  |  |  |  |
| 122333676 |  |  |  | Non QM |  | Yes | No | $33147.65 | $36595.70 |  | 5.910% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5561.09 | 1 | $11849.16 | $1398.12 |  |  |  |  |  | 50.000% | 50.000% | 50.000% | 04/11/2022 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $33147.65 |  | 5.170% | $0.00 | 2.1 |  |  |  | Yes | No | 5.500% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  |  | $309471.55 | 29.000% |  |  |  |  |  |  |
| 122632105 |  |  |  | Non QM |  | Yes | No | $23806.30 | $26276.63 |  | 6.228% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13486.08 | 1 | $15500.04 | $1797.00 |  |  |  |  |  | 39.929% | 39.929% | 39.929% | 05/02/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $23806.30 |  | 5.160% | $10000.00 | 1 |  |  |  | No | No | 6.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $37200.00 | 3.000% |  |  |  |  |  |  |
| 122217064 |  |  |  | Non QM |  | Yes | No | $4762.38 | $5335.65 |  | 7.383% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4855.24 | 1 | $2332.32 | $941.04 |  |  |  |  |  | 32.820% | 32.820% | 32.820% | 03/30/2022 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4762.38 |  | 5.170% | $0.00 | 2 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122342721 |  |  |  | Non QM |  | Yes | No | $2153.00 | $3476.20 |  | 6.390% |  |  |  | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8886.14 | 1 | $3080.04 | $1262.04 |  |  |  |  |  | 28.752% | 28.752% | 28.752% | 05/04/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2153.00 |  | 5.380% | $0.00 | 2.4 |  |  |  | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $1505301.68 | 100.000% |  |  |  |  |  |  |
| 122969022 |  |  |  | Non QM |  | Yes | No | $16607.65 | $23162.50 |  | 7.368% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16723.59 | 1 | $11874.96 | $1242.96 |  |  |  |  |  | 33.507% | 33.507% | 33.507% | 05/26/2022 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16607.65 |  | 5.330% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $80438.75 | 8.000% |  |  |  |  |  |  |
| 122425866 |  |  |  | Non QM |  | Yes | No | $17406.94 | $10139.37 |  | 7.927% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29205.26 | 1 | $9738.96 | $2365.80 |  |  |  |  |  | 24.824% | 24.824% | 24.824% | 05/04/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17406.94 |  | 5.170% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $20000.00 | 4.000% |  |  |  |  |  |  |
| 122969704 |  |  |  | Non QM |  | Yes | No | $3729.80 | $4544.22 |  | 6.309% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11423.65 | 1 | $2103.36 | $663.96 |  |  |  |  |  | 10.590% | 10.590% | 10.590% | 04/29/2022 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3729.80 |  | 5.170% | $0.00 | 1 |  |  |  | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $250609.93 | 100.000% |  |  |  |  |  |  |
| 122705365 |  |  |  | Non QM |  | Yes | No | $33031.00 | $38671.84 |  | 6.465% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41691.84 | 1 | $9434.88 | $2849.04 |  |  |  |  |  | 25.024% | 19.735% | 25.024% | 04/26/2022 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $33031.00 |  | 5.170% | $0.00 | 1 |  |  |  | Yes | No | 6.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  | $525553.81 | 30.000% |  |  |  |  |  |  |
| 122236372 |  |  |  | Non QM |  | Yes | No | $7570.25 | $12583.59 |  | 6.945% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40341.60 | 1 | $10749.36 | $466.80 |  |  |  |  |  | 21.085% | 16.653% | 21.085% | 05/10/2022 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7570.25 |  | 5.350% | $0.00 | 4.1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  | $147824.57 |  |  |  |  |  |  |  |
| 122930303 |  |  |  | Non QM |  | Yes | No | $41118.00 | $47685.67 |  | 7.164% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13453.91 | 1 | $2886.84 | $3309.00 |  |  |  |  |  | 49.102% | 49.102% | 49.102% | 05/02/2022 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $41118.00 |  | 5.170% | $0.00 | 3.5 |  |  |  | Yes | No | 6.875% | 0 |  | 1 | 0 | 3 | 1 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  |  | $261708.68 | 15.000% |  |  |  |  |  |  |
| 122666850 |  |  |  | Non QM |  | Yes | No | $15088.60 | $20655.64 |  | 6.503% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32478.59 | 1 | $5600.04 | $1521.00 |  |  |  |  |  | 26.851% | 26.851% | 26.851% | 05/19/2022 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15088.60 |  | 5.380% | $0.00 | 1.5 |  |  |  | Yes | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $120278.27 | 8.000% |  |  |  |  |  |  |
| 122546640 |  |  |  | Non QM |  | Yes | No | $6666.00 | $9895.94 |  | 6.266% |  |  |  | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16467.92 | 1 | $5055.72 | $699.00 |  |  |  |  |  | 28.143% | 28.143% | 28.143% | 05/07/2022 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6666.00 |  | 5.350% | $0.00 | 1.9 |  |  |  | No | No | 6.125% | 2 | 2 | 0 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $182170.52 | 28.000% |  |  |  |  |  |  |
| 122278078 |  |  |  | Non QM |  | Yes | No | $5585.76 | $6041.48 |  | 6.491% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3799.88 | 1 | $2313.60 | $2703.00 |  |  |  |  |  | 44.878% | 44.878% | 44.878% | 03/04/2022 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5585.76 |  | 5.350% | $0.00 | 1 |  |  |  | Yes | No | 6.125% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $14527.77 |  |  |  |  |  |  |  |
| 122530238 |  |  |  | N/A |  | Yes | No | $13981.10 | $14731.60 |  | 6.840% |  |  |  | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $3121.32 | 1 | $2660.28 | $294.96 |  |  |  |  |  | 41.768% | 41.768% | 41.768% | 04/29/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13981.10 |  | 5.350% | $0.00 | 1.4 |  |  |  | Yes | No | 6.500% | 1 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $63772.75 |  |  |  |  |  |  |  |
| 122396275 |  |  |  | Non QM |  | Yes | No | $6627.00 | $6887.00 |  | 6.757% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5954.88 | 1 | $3739.08 | $1016.88 |  |  |  |  |  | 32.514% | 32.514% | 32.514% | 05/05/2022 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6627.00 |  | 5.170% | $0.00 | 1 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $118952.22 | 36.000% |  |  |  |  |  |  |
| 122913678 |  |  |  | Non QM |  | Yes | No | $13645.92 | $9583.37 |  | 6.746% |  |  |  | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33865.86 | 1 | $4067.16 | $9083.40 |  |  |  |  |  | 17.479% | 17.479% | 17.479% | 05/11/2022 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 77.800% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 77.80% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 77.80% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 77.80% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 77.80% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13645.92 |  | 5.170% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $36410.00 | 9.000% |  |  |  |  |  |  |
| 122875384 |  |  |  | Non QM |  | Yes | No | $10303.58 | $12975.03 |  | 7.182% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3433.40 | 3 | $3513.00 | $2216.04 |  |  |  |  |  | 49.923% | 49.923% | 49.923% | 05/13/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10303.58 |  | 5.330% | $5806.25 |  |  |  |  | No | No | 6.875% | 2 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $83430.97 | 21.000% |  |  |  |  |  |  |
| 122920839 |  |  |  | N/A |  | Yes | No | $8382.80 | $17881.35 |  | 7.876% |  |  |  | No | No | Self-Employed | Not Employed | Not Employed |  | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $22317.37 | 4 | $16761.36 | $1226.04 |  |  |  |  |  | 42.645% | 42.645% | 42.645% |  | 806 | 806 | 762 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8382.80 |  | 5.170% | $0.00 |  |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $226346.37 | 17.000% |  |  |  |  |  |  |
| 122926734 |  |  |  | Non QM |  | Yes | No | $11044.97 | $16938.65 |  | 7.147% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5585.31 | 1 | $7374.96 | $1461.96 |  |  |  |  |  | 45.847% | 45.847% | 45.847% | 05/02/2022 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11044.97 |  | 5.170% | $4100.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $141663.60 | 24.000% |  |  |  |  |  |  |
| 122469740 |  |  |  | Non QM |  | Yes | No | $4842.64 | $8912.47 |  | 7.808% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30069.70 | 1 | $18437.52 | $1371.00 |  |  |  |  |  | 31.284% | 31.284% | 31.284% | 03/01/2022 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4842.64 |  | 5.170% | $500.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $230683.72 | 16.000% |  |  |  |  |  |  |
| 122432932 |  |  |  | Non QM |  | Yes | No | $1490.00 | $2954.11 |  | 7.791% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8128.06 | 1 | $1751.76 | $1256.04 |  |  |  |  |  | 41.176% | 41.176% | 41.176% | 04/23/2022 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1490.00 |  | 5.180% | $500.00 | 1.6 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $44308.55 | 7.000% |  |  |  |  |  |  |
| 122536814 |  |  |  | Non QM |  | Yes | No | $9861.00 | $4143.77 |  | 7.326% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7364.81 | 1 | $13504.68 | $2500.56 |  |  |  |  |  | 43.699% | 43.699% | 43.699% | 03/31/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| 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: 80.00000% \| 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: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9861.00 |  | 5.350% | $3000.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $10000.00 | 2.000% |  |  |  |  |  |  |
| 122257882 |  |  |  | Non QM |  | Yes | No | $5790.39 | $6114.47 |  | 7.901% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14463.69 | 1 | $2646.72 | $1083.00 |  |  |  |  |  | 25.207% | 25.207% | 25.207% | 05/04/2022 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5790.39 |  | 5.170% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $248868.78 | 53.000% |  |  |  |  |  |  |
| 122772220 |  |  |  | Non QM |  | Yes | No | $6313.00 | $8855.42 |  | 6.651% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5095.72 | 1 | $3515.04 | $1473.96 |  |  |  |  |  | 47.624% | 47.624% | 47.624% | 03/28/2022 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 92.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6313.00 |  | 4.740% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 | 2 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $15877.69 |  |  |  |  |  |  |  |
| 122317444 |  |  |  | Non QM |  | Yes | No | $7692.39 | $6797.42 |  | 5.934% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11905.70 | 1 | $18821.04 | $1284.00 |  |  |  |  |  | 28.696% | 28.696% | 28.696% | 04/26/2022 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 76.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 76.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 76.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 76.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7692.39 |  | 5.180% | $125.00 | 1.5 |  |  |  | No | No | 5.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $564414.23 | 96.000% |  |  |  |  |  |  |
| 122938732 |  |  |  | Non QM |  | Yes | No | $6607.52 | $3681.05 |  | 7.190% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2006.55 | 1 | $1365.36 | $583.20 |  |  |  |  |  | 37.989% | 37.989% | 37.989% | 04/27/2022 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6607.52 |  | 5.180% | $0.00 | 1.5 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122473295 |  |  |  | Non QM |  | Yes | No | $4051.72 | $2299.89 |  | 7.647% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3278.41 | 1 | $2062.56 | $351.00 |  |  |  |  |  | 36.373% | 36.373% | 36.373% | 03/16/2022 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4051.72 |  | 5.070% | $7500.00 | 999 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $90984.24 | 55.000% |  |  |  |  |  |  |
| 122644926 |  |  |  | Non QM |  | Yes | No | $618.00 | $1834.06 |  | 6.679% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6805.01 | 1 | $1917.00 | $697.92 |  |  |  |  |  | 29.501% | 29.501% | 29.501% | 04/20/2022 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $618.00 |  | 5.180% | $0.00 | 2.6 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $67938.93 | 21.000% |  |  |  |  |  |  |
| 122321119 |  |  |  | Non QM |  | Yes | No | $3357.20 | $4447.02 |  | 7.498% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2640.70 | 1 | $54.00 | $1343.28 |  |  |  |  |  | 30.172% | 30.172% | 30.172% | 04/09/2022 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3357.20 |  | 4.790% | $0.00 | 2.5 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $3000.00 | 2.000% |  |  |  |  |  |  |
| 122416724 |  |  |  | Non QM |  | Yes | No | $1759.04 | $2420.57 |  | 6.853% |  |  |  | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5684.52 | 1 | $4344.36 | $1756.80 |  |  |  |  |  | 46.650% | 46.650% | 46.650% | 04/16/2022 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1759.04 |  | 5.070% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $604933.87 | 100.000% |  |  |  |  |  |  |
| 122996174 |  |  |  | Non QM |  | Yes | No | $16897.28 | $6301.55 |  | 7.125% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11914.92 | 1 | $4461.00 | $2620.08 |  |  |  |  |  | 26.869% | 26.869% | 26.869% | 03/04/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16897.28 |  | 4.230% | $0.00 | 2.8 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $25424.87 |  |  |  |  |  |  |  |
| 122152164 |  |  |  | Non QM |  | Yes | No | $3618.80 | $4918.29 |  | 7.075% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $38732.45 | 1 | $3751.32 | $2913.00 |  |  |  |  |  | 14.523% | 14.523% | 14.523% | 03/23/2022 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3618.80 |  | 4.790% | $0.00 | 3 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $374599.00 | 55.000% |  |  |  |  |  |  |
| 122610823 |  |  |  | Non QM |  | Yes | No | $5722.19 | $6777.12 |  | 7.515% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $52732.74 | 1 | $1009.32 | $393.96 |  |  |  |  |  | 31.778% | 31.778% | 31.778% | 05/12/2022 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5722.19 |  | 5.070% | $0.00 | 2.6 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  |  | $105158.45 | 28.000% |  |  |  |  |  |  |
| 122305740 |  |  |  | Non QM |  | Yes | No | $9861.70 | $13234.99 |  | 6.029% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10446.01 | 1 | $3546.36 | $3083.52 |  |  |  |  |  | 46.913% | 46.913% | 46.913% | 02/22/2022 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9861.70 |  | 4.740% | $0.00 | 1 |  |  |  | No | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $1086135.47 | 100.000% |  |  |  |  |  |  |
| 122862368 |  |  |  | Non QM |  | Yes | No | $7718.60 | $11323.39 |  | 7.617% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10525.66 | 1 | $5958.72 | $1569.00 |  |  |  |  |  | 37.052% | 37.052% | 37.052% | 05/04/2022 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Farming]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Farming]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Farming]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Farming]; Third Party Verification - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7718.60 |  | 4.790% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 1 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $143481.53 | 18.000% |  |  |  |  |  |  |
| 122509178 |  |  |  | Non QM |  | Yes | No | $38103.00 | $43754.80 |  | 7.174% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25373.35 | 1 | $11653.56 | $2195.04 |  |  |  |  |  | 30.230% | 30.230% | 30.230% | 03/25/2022 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $38103.00 |  | 5.180% | $0.00 | 3.2 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $483371.13 | 29.000% |  |  |  |  |  |  |
| 122314073 |  |  |  | Non QM |  | Yes | No | $12423.60 | $18711.65 |  | 5.247% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5342.21 | 1 | $1049.76 | $1489.08 |  |  |  |  |  | 41.164% | 41.164% | 41.164% | 04/20/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12423.60 |  | 4.190% | $0.00 | 1 |  |  |  | Yes | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $15108.06 | 3.000% |  |  |  |  |  |  |
| 122506108 |  |  |  | Non QM |  | Yes | No | $11893.68 | $3151.21 |  | 5.959% |  |  |  | No | No | Not Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $14188.31 | 1 | $5856.24 | $612.12 |  |  |  |  |  | 16.063% | 16.063% | 16.063% | 04/13/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11893.68 |  | 5.070% | $13500.00 | 2.6 |  |  |  | No | No | 5.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $128521.53 | 27.000% |  |  |  |  |  |  |
| 122407712 |  |  |  | Non QM |  | Yes | No | $13958.80 | $8496.59 |  | 5.807% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9473.87 | 1 | $3440.28 | $2567.04 |  |  |  |  |  | 23.903% | 23.903% | 23.903% | 04/11/2022 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13958.80 |  | 4.490% | $0.00 | 1 |  |  |  | No | No | 5.625% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $67824.06 |  |  |  |  |  |  |  |
| 122148765 |  |  |  | Non QM |  | Yes | No | $16184.72 | $18400.13 |  | 6.115% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12587.64 | 1 | $9769.08 | $3807.00 |  |  |  |  |  | 49.289% | 38.547% | 49.289% | 03/17/2022 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 59.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 59.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 59.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 59.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 59.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16184.72 |  | 4.790% | $0.00 | 1.3 |  |  |  | No | No | 6.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  |  |  |  |  |  |  |  |  |
| 122958560 |  |  |  | Non QM |  | Yes | No | $14766.88 | $7922.95 |  | 6.865% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21834.25 | 1 | $4779.24 | $5047.32 |  |  |  |  |  | 17.011% | 17.011% | 17.011% | 04/19/2022 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14766.88 |  | 5.180% | $15000.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $106038.31 | 26.000% |  |  |  |  |  |  |
| 122251291 |  |  |  | Non QM |  | Yes | No | $16887.75 | $18581.23 |  | 8.051% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10464.90 | 1 | $12049.92 | $1289.04 |  |  |  |  |  | 37.285% | 37.285% | 37.285% | 05/11/2022 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16887.75 |  | 4.790% | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  |  | $116300.38 | 15.000% |  |  |  |  |  |  |
| 122214874 |  |  |  | Non QM |  | Yes | No | $2375.50 | $5459.14 |  | 6.444% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12680.03 | 1 | $14498.28 | $2990.04 |  |  |  |  |  | 44.542% | 44.542% | 44.542% | 05/02/2022 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2375.50 |  | 5.180% | $5747.00 |  |  |  |  | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $562902.53 | 45.000% |  |  |  |  |  |  |
| 122231334 |  |  |  | Non QM |  | Yes | No | $16362.99 | $19810.27 |  | 6.867% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20250.36 | 1 | $6084.48 | $2201.04 |  |  |  |  |  | 35.976% | 35.976% | 35.976% | 04/06/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16362.99 |  | 4.740% | $0.00 | 4.9 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $361768.04 | 21.000% |  |  |  |  |  |  |
| 122677421 |  |  |  | Non QM |  | Yes | No | $3433.30 | $3929.25 |  | 7.563% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4052.34 | 1 | $1689.12 | $480.00 |  |  |  |  |  | 36.585% | 36.585% | 36.585% | 04/11/2022 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3433.30 |  | 4.790% | $0.00 | 1.1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $6252.24 |  |  |  |  |  |  |  |
| 122664054 |  |  |  | Non QM |  | Yes | No | $18961.50 | $21675.19 |  | 6.207% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12228.31 | 1 | $7266.12 | $1254.00 |  |  |  |  |  | 34.122% | 34.122% | 34.122% | 04/15/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18961.50 |  | 5.180% | $0.00 | 1 |  |  |  | No | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $146544.60 | 20.000% |  |  |  |  |  |  |
| 122486354 |  |  |  | Non QM |  | Yes | No | $12765.20 | $13307.34 |  | 6.858% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20823.25 | 1 | $4428.00 | $789.96 |  |  |  |  |  | 23.881% | 23.881% | 23.881% | 04/11/2022 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% | 60.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12765.20 |  | 5.070% | $0.00 | 1 |  |  |  | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122751387 |  |  |  | N/A |  | Yes | No | $6047.50 | $7785.38 |  | 7.168% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13542.67 | 1 | $2976.00 | $870.96 |  |  |  |  |  | 37.047% | 37.047% | 37.047% | 03/16/2022 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6047.50 |  | 5.180% | $0.00 | 1.2 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $612413.77 | 100.000% |  |  |  |  |  |  |
| 122686636 |  |  |  | N/A |  | Yes | No | $30584.00 | $31640.29 |  | 7.035% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $318399.91 | 1 | $4507.32 | $2708.04 |  |  |  |  |  | 10.252% | 10.252% | 10.252% | 04/05/2022 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 66.670% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 66.67% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 66.67% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 66.67% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 66.67% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $30584.00 |  | 4.740% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $1048483.97 |  |  |  |  |  |  |  |
| 122022335 |  |  |  | Non QM |  | Yes | No | $22378.80 | $23634.30 |  | 6.258% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38545.56 | 1 | $15643.44 | $2421.00 |  |  |  |  |  | 18.201% | 18.201% | 18.201% | 04/26/2022 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22378.80 |  | 5.070% | $0.00 | 1 |  |  |  | Yes | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  |  | $518979.76 | 55.000% |  |  |  |  |  |  |
| 122892969 |  |  |  | Non QM |  | Yes | No | $14078.15 | $15864.16 |  | 5.999% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $61091.69 | 1 | $12613.68 | $1958.04 |  |  |  |  |  | 13.760% | 13.760% | 13.760% | 05/16/2022 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14078.15 |  | 4.790% | $0.00 | 1 |  |  |  | No | No | 5.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $435101.40 | 51.000% |  |  |  |  |  |  |
| 122203237 |  |  |  | Non QM |  | Yes | No | $16809.85 | $22765.06 |  | 6.670% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $373693.44 | 1 | $5443.92 | $15050.76 |  |  |  |  |  | 9.204% | 9.204% | 9.204% | 04/29/2022 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16809.85 |  | 5.180% | $0.00 | 3.5 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $2051895.08 | 100.000% |  |  |  |  |  |  |
| 122193905 |  |  |  | Non QM |  | Yes | No | $25373.33 | $28053.67 |  | 6.999% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $63618.66 | 1 | $10400.04 | $951.00 |  |  |  |  |  | 10.230% | 10.230% | 10.230% | 04/07/2022 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $25373.33 |  | 5.180% | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $57285.29 | 7.000% |  |  |  |  |  |  |
| 122032901 |  |  |  | Non QM |  | Yes | No | $6919.65 | $7559.19 |  | 7.095% |  |  |  | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6691.53 | 1 | $324.60 | $669.00 |  |  |  |  |  | 30.346% | 30.346% | 30.346% | 06/10/2022 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 70.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6919.65 |  | 5.180% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 2 | 0 | 0 | 0 | 2 | 2 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $14304.03 |  |  |  |  |  |  |  |
| 122854134 |  |  |  | Non QM |  | Yes | No | $22171.24 | $24203.85 |  | 7.764% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $109205.76 | 1 | $2258.04 | $983.04 |  |  |  |  |  | 12.505% | 12.505% | 12.505% | 05/26/2022 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22171.24 |  | 5.180% | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $364250.33 | 35.000% |  |  |  |  |  |  |
| 122004102 |  |  |  | Non QM |  | Yes | No | $28153.56 | $32161.11 |  | 6.064% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22173.72 | 1 | $5968.92 | $1628.28 |  |  |  |  |  | 43.700% | 43.700% | 43.700% | 04/25/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 70.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $28153.56 |  | 5.180% | $0.00 | 2.3 |  |  |  | Yes | No | 5.875% | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $217168.28 |  |  |  |  |  |  |  |
| 122301684 |  |  |  | N/A |  | Yes | No | $22976.44 | $25169.04 |  | 6.630% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17673.76 | 3 | $7870.44 | $1060.20 |  |  |  |  |  | 17.470% | 17.470% | 17.470% | 04/29/2022 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22976.44 |  | 5.180% | $0.00 |  |  |  |  | No | No | 6.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $56838.80 |  |  |  |  |  |  |  |
| 122608696 |  |  |  | N/A |  | Yes | No | $5561.48 | $6588.73 |  | 6.451% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2985.86 | 1 | $3037.44 | $984.96 |  |  |  |  |  | 42.990% | 42.990% | 42.990% | 04/13/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5561.48 |  | 5.180% | $0.00 | 2.8 |  |  |  | No | No | 5.875% | 2 |  | 2 | 0 | 0 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $27568.68 |  |  |  |  |  |  |  |
| 122953278 |  |  |  | Non QM |  | Yes | No | $23306.94 | $26785.23 |  | 7.356% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8568.49 | 1 | $14023.44 | $1496.04 |  |  |  |  |  | 44.126% | 44.126% | 44.126% | 04/05/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 55.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $23306.94 |  | 5.070% | $40800.00 | 1.9 |  |  |  | Yes | No | 6.875% | 0 | 3 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $65232.32 | 10.000% |  |  |  |  |  |  |
| 122475374 |  |  |  | N/A |  | Yes | No | $5896.48 | $6654.38 |  | 6.481% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4299.46 | 1 | $1893.60 | $1170.00 |  |  |  |  |  | 32.008% | 32.008% | 32.008% | 04/13/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5896.48 |  | 5.180% | $0.00 | 2.6 |  |  |  | No | No | 5.875% | 2 |  | 2 | 0 | 3 | 2 |  |  | 17.67 | No |  |  |  |  |  |  |  |  |  |  | $48643.11 |  |  |  |  |  |  |  |
| 122210798 |  |  |  | Non QM |  | Yes | No | $6273.00 | $7188.98 |  | 6.008% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $140688.25 | 1 | $20850.36 | $2129.04 |  |  |  |  |  | 3.767% | 3.767% | 3.767% | 05/04/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6273.00 |  | 4.790% | $6000.00 | 2 |  |  |  | Yes | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $97500.00 | 10.000% |  |  |  |  |  |  |
| 122197791 |  |  |  | Non QM |  | Yes | No | $15800.10 | $6.44 |  | 7.734% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14255.58 | 1 | $11223.84 | $2382.00 |  |  |  |  |  | 44.906% | 44.906% | 44.906% | 06/06/2022 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15800.10 |  | 5.350% | $12000.00 | 1.4 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $263313.13 | 19.000% |  |  |  |  |  |  |
| 122143672 |  |  |  | Non QM |  | Yes | No | $10154.20 | $3986.89 |  | 7.220% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8155.09 | 1 | $3377.64 | $1659.96 |  |  |  |  |  | 47.193% | 47.193% | 47.193% | 04/19/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10154.20 |  | 5.330% | $0.00 | 4.3 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $220049.32 | 49.000% |  |  |  |  |  |  |
| 122130266 |  |  |  | Non QM |  | Yes | No | $14551.20 | $7715.07 |  | 7.903% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14860.49 | 1 | $1298.16 | $237.96 |  |  |  |  |  | 22.233% | 22.233% | 22.233% | 05/13/2022 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14551.20 |  | 5.160% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $61915.60 | 10.000% |  |  |  |  |  |  |
| 122745910 |  |  |  | Non QM |  | Yes | No | $2423.46 | $3674.36 |  | 6.827% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3989.53 | 1 | $2775.96 | $1047.24 |  |  |  |  |  | 49.683% | 49.683% | 49.683% | 04/21/2022 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2423.46 |  | 5.380% | $0.00 | 3.7 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $13291.82 |  |  |  |  |  |  |  |
| 122328371 |  |  |  | Non QM |  | Yes | No | $7923.00 | $8960.98 |  | 7.767% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8349.24 | 1 | $2826.60 | $585.00 |  |  |  |  |  | 34.794% | 34.794% | 34.794% | 04/08/2022 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7923.00 |  | 5.380% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $37569.18 | 9.000% |  |  |  |  |  |  |
| 122036832 |  |  |  | Non QM |  | Yes | No | $8224.00 | $10239.58 |  | 7.691% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7711.06 | 1 | $8275.32 | $2490.96 |  |  |  |  |  | 38.824% | 38.824% | 38.824% | 04/01/2022 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8224.00 |  | 5.170% | $6000.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $106116.67 | 27.000% |  |  |  |  |  |  |
| 122169786 |  |  |  | Non QM |  | Yes | No | $355.92 | $2110.19 |  | 6.302% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $10901.59 | 1 | $4169.04 | $1451.04 |  |  |  |  |  | 23.553% | 23.553% | 23.553% | 05/18/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $355.92 |  | 5.380% | $0.00 | 2.5 |  |  |  | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $8518.20 | 2.000% |  |  |  |  |  |  |
| 122204244 |  |  |  | Non QM |  | Yes | No | $28859.00 | $31564.93 |  | 6.752% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7248.92 | 1 | $10929.24 | $5025.96 |  |  |  |  |  | 49.694% | 49.694% | 49.694% | 05/17/2022 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $28859.00 |  | 5.330% | $0.00 | 1 |  |  |  | Yes | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  |  | $54135.20 | 6.000% |  |  |  |  |  |  |
| 122266610 |  |  |  | Non QM |  | Yes | No | $6753.00 | $10218.53 |  | 5.932% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6997.88 | 1 | $9624.96 | $2580.96 |  |  |  |  |  | 40.709% | 40.709% | 40.709% | 04/21/2022 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6753.00 |  | 5.330% | $0.00 | 1 |  |  |  | No | No | 5.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $340514.62 | 44.000% |  |  |  |  |  |  |
| 122004718 |  |  |  | Non QM |  | Yes | No | $3591.00 | $6146.87 |  | 6.563% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5070.71 | 1 | $4308.48 | $3638.28 |  |  |  |  |  | 49.322% | 49.322% | 49.322% | 05/17/2022 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2002 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3591.00 |  | 5.380% | $1000.00 | 1.7 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $280012.25 | 33.000% |  |  |  |  |  |  |
| 122751104 |  |  |  | N/A |  | Yes | No | $4868.21 | $6438.71 |  | 7.382% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34628.81 | 1 | $2687.16 | $854.04 |  |  |  |  |  | 46.264% | 46.264% | 46.264% | 06/02/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Farming]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Farming]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4868.21 |  | 5.180% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 3 |  | 1 | 0 | 3 | 2 |  |  | 16.63 | No |  |  |  |  |  |  |  |  |  |  | $581385.08 |  |  |  |  |  |  |  |
| 122809181 |  |  |  | Non QM |  | Yes | No | $5759.64 | $6128.78 |  | 7.881% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40862.00 | 1 | $1908.84 | $1002.00 |  |  |  |  |  | 12.072% | 12.072% | 12.072% | 04/15/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5759.64 |  | 5.310% | $0.00 | 3.2 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $11097.31 | 2.000% |  |  |  |  |  |  |
| 122236222 |  |  |  | Non QM |  | Yes | No | $7316.10 | $7466.79 |  | 7.515% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6787.99 | 1 | $5309.16 | $1350.00 |  |  |  |  |  | 32.015% | 32.015% | 32.015% | 06/15/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7316.10 |  | 5.170% | $10000.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $5686.39 | 2.000% |  |  |  |  |  |  |
| 122857683 |  |  |  | Non QM |  | Yes | No | $6912.60 | $12855.98 |  | 6.611% |  |  |  | No | Yes | Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $32238.39 | 1 | $14990.88 | $1128.00 |  |  |  |  |  | 19.544% | 19.544% | 19.544% | 03/23/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 84.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6912.60 |  | 5.180% | $0.00 | 1.5 |  |  |  | Yes | No | 6.500% | 2 | 0 | 0 | 0 | 3 | 2 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $427892.71 | 37.000% |  |  |  |  |  |  |
| 122319777 |  |  |  | N/A |  | Yes | No | $26014.25 | $12415.13 |  | 7.949% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38221.89 | 1 | $3616.80 | $1527.96 |  |  |  |  |  | 14.423% | 12.247% | 14.423% | 05/30/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $26014.25 |  | 5.180% | $0.00 | 2.6 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  |  |  |  |  |  |  |  |  |
| 122365117 |  |  |  | Non QM |  | Yes | No | $8413.00 | $4682.08 |  | 6.459% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20020.23 | 1 | $20159.28 | $2523.96 |  |  |  |  |  | 30.144% | 30.144% | 30.144% | 05/31/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8413.00 |  | 5.160% | $20000.00 | 1 |  |  |  | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $452574.56 | 57.000% |  |  |  |  |  |  |
| 122663492 |  |  |  | Non QM |  | Yes | No | $18850.31 | $20555.87 |  | 6.975% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8174.25 | 1 | $3228.72 | $1092.96 |  |  |  |  |  | 35.952% | 35.952% | 35.952% | 05/20/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18850.31 |  | 5.310% | $0.00 | 1.5 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $158295.05 | 33.000% |  |  |  |  |  |  |
| 122951735 |  |  |  | Non QM |  | Yes | No | $10383.00 | $11055.49 |  | 6.732% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31460.89 | 1 | $8550.60 | $1535.52 |  |  |  |  |  | 20.558% | 20.558% | 20.558% | 06/07/2022 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10383.00 |  | 5.160% | $0.00 | 2.4 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122550669 |  |  |  | Non QM |  | Yes | No | $10079.95 | $12813.87 |  | 8.043% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3477.10 | 1 | $821.40 | $991.32 |  |  |  |  |  | 44.753% | 44.753% | 44.753% | 05/23/2022 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10079.95 |  | 5.310% | $0.00 | 2.6 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $107361.39 | 39.000% |  |  |  |  |  |  |
| 122059422 |  |  |  | Non QM |  | Yes | No | $16646.48 | $816.08 |  | 6.751% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18281.95 | 1 | $14937.48 | $3684.00 |  |  |  |  |  | 31.830% | 31.830% | 31.830% | 04/29/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Non-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 - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16646.48 |  | 5.330% | $20000.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $78576.24 | 7.000% |  |  |  |  |  |  |
| 122246176 |  |  |  | Non QM |  | Yes | No | $16347.00 | $1493.56 |  | 6.251% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9267.92 | 1 | $17832.60 | $3072.00 |  |  |  |  |  | 49.429% | 49.429% | 49.429% | 06/07/2022 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 37.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16347.00 |  | 5.180% | $23550.00 | 3.2 |  |  |  | Yes | No | 6.250% | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $516467.20 | 33.000% |  |  |  |  |  |  |
| 122357578 |  |  |  | Non QM |  | Yes | No | $1766.78 | $3314.77 |  | 6.524% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10702.05 | 1 | $22729.68 | $3765.12 |  |  |  |  |  | 43.657% | 43.657% | 43.657% | 04/29/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1766.78 |  | 5.170% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $118339.69 |  |  |  |  |  |  |  |
| 122190942 |  |  |  | Non QM |  | Yes | No | $8783.00 | $4022.54 |  | 6.956% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5560.82 | 1 | $9927.84 | $2220.60 |  |  |  |  |  | 42.336% | 42.336% | 42.336% | 05/16/2022 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8783.00 |  | 5.330% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $41584.80 | 8.000% |  |  |  |  |  |  |
| 122443027 |  |  |  | Non QM |  | Yes | No | $17731.19 | $24691.31 |  | 6.933% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $47365.09 | 1 | $28876.92 | $1761.96 |  |  |  |  |  | 26.556% | 26.556% | 26.556% | 05/11/2022 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| 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: 40.00% \| 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: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17731.19 |  | 5.160% | $0.00 | 4 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $100000.00 | 7.000% |  |  |  |  |  |  |
| 122876986 |  |  |  | Non QM |  | Yes | No | $18972.15 | $20025.05 |  | 6.249% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16815.43 | 1 | $5254.92 | $2058.36 |  |  |  |  |  | 26.277% | 26.277% | 26.277% | 05/02/2022 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18972.15 |  | 5.160% | $0.00 | 2.5 |  |  |  | No | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $120690.31 | 22.000% |  |  |  |  |  |  |
| 122175844 |  |  |  | Non QM |  | Yes | No | $11280.00 | $12218.49 |  | 6.618% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4359.73 | 1 | $3183.96 | $1040.16 |  |  |  |  |  | 49.943% | 49.943% | 49.943% | 05/26/2022 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11280.00 |  | 5.180% | $0.00 | 1 |  |  |  | Yes | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122015918 |  |  |  | Non QM |  | Yes | No | $4318.22 | $4905.96 |  | 6.801% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8043.35 | 1 | $4435.32 | $453.96 |  |  |  |  |  | 35.456% | 35.456% | 35.456% | 05/25/2022 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 78.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4318.22 |  | 5.330% | $0.00 | 2.6 |  |  |  | Yes | No | 6.625% | 0 | 2 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $321984.94 | 97.000% |  |  |  |  |  |  |
| 122112160 |  |  |  | Non QM |  | Yes | No | $85173.00 | $93880.87 |  | 6.029% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39152.44 | 1 | $32822.76 | $3821.04 |  |  |  |  |  | 38.625% | 38.625% | 38.625% | 05/13/2022 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $85173.00 |  | 5.350% | $0.00 | 2.6 |  |  |  | Yes | No | 5.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $865877.81 | 21.000% |  |  |  |  |  |  |
| 122428183 |  |  |  | Non QM |  | Yes | No | $500.00 | $6304.52 |  | 6.445% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11687.06 | 1 | $21562.56 | $1673.04 |  |  |  |  |  | 38.596% | 38.596% | 38.596% | 05/31/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $500.00 |  | 5.180% | $0.00 | 1 |  |  |  | Yes | No | 6.375% | 0 |  | 0 | 0 | 5 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $1405093.19 | 81.000% |  |  |  |  |  |  |
| 122181748 |  |  |  | Non QM |  | Yes | No | $7323.00 | $8791.46 |  | 7.558% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3382.81 | 1 | $6639.00 | $1562.04 |  |  |  |  |  | 44.866% | 44.866% | 44.866% | 06/07/2022 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7323.00 |  | 5.160% | $2000.00 | 1.2 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $44395.34 | 12.000% |  |  |  |  |  |  |
| 122090735 |  |  |  | Non QM |  | Yes | No | $5780.02 | $6824.32 |  | 6.942% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $90220.43 | 1 | $28929.12 | $552.00 |  |  |  |  |  | 25.796% | 25.796% | 25.796% | 06/03/2022 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5780.02 |  | 5.160% | $0.00 | 4.7 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $397342.00 | 32.000% |  |  |  |  |  |  |
| 122225107 |  |  |  | Non QM |  | Yes | No | $1758.00 | $4734.14 |  | 7.695% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10104.49 | 1 | $11612.52 | $943.20 |  |  |  |  |  | 43.684% | 43.684% | 43.684% | 05/27/2022 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1758.00 |  | 5.160% | $0.00 | 2.6 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $277698.45 | 30.000% |  |  |  |  |  |  |
| 122690725 |  |  |  | Non QM |  | Yes | No | $5040.48 | $6189.25 |  | 8.095% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2140.28 | 1 | $592.56 | $592.92 |  |  |  |  |  | 44.038% | 44.038% | 44.038% | 05/23/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5040.48 |  | 5.160% | $24018.53 | 3.7 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $16500.00 | 8.000% |  |  |  |  |  |  |
| 122731495 |  |  |  | Non QM |  | Yes | No | $21301.65 | $22138.46 |  | 6.671% |  |  |  | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $17637.26 | 1 | $15366.60 | $2315.04 |  |  |  |  |  | 42.011% | 42.011% | 42.011% | 04/12/2022 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21301.65 |  | 5.350% | $200000.00 | 2.4 |  |  |  | No | No | 6.500% | 0 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $209201.84 | 15.000% |  |  |  |  |  |  |
| 122836019 |  |  |  | Non QM |  | Yes | No | $13001.20 | $14423.34 |  | 6.774% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23571.95 | 1 | $4708.20 | $1479.96 |  |  |  |  |  | 26.455% | 26.455% | 26.455% | 06/07/2022 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| 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: 80.00000% \| 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: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13001.20 |  | 5.160% | $0.00 | 1 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122176861 |  |  |  | Non QM |  | Yes | No | $8445.20 | $10362.28 |  | 7.036% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5702.82 | 1 | $1037.52 | $3973.92 |  |  |  |  |  | 33.139% | 33.139% | 33.139% | 05/12/2022 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8445.20 |  | 5.330% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $109177.52 | 27.000% |  |  |  |  |  |  |
| 122955594 |  |  |  | N/A |  | Yes | No | $5955.52 | $6171.94 |  | 7.279% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22583.41 | 1 | $6043.56 | $448.68 |  |  |  |  |  | 19.468% | 19.468% | 19.468% | 05/17/2022 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5955.52 |  | 5.350% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122204159 |  |  |  | Non QM |  | Yes | No | $14577.88 | $15734.81 |  | 7.188% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7221.14 | 1 | $7875.00 | $1607.04 |  |  |  |  |  | 42.347% | 42.347% | 42.347% | 05/25/2022 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14577.88 |  | 5.160% | $0.00 | 1.5 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $95058.92 | 15.000% |  |  |  |  |  |  |
| 122881491 |  |  |  | Non QM |  | Yes | No | $2694.25 | $3097.82 |  | 7.808% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $84345.15 | 1 | $2787.00 | $2619.96 |  |  |  |  |  | 7.921% | 7.921% | 7.921% | 05/15/2022 | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2694.25 |  | 5.330% | $0.00 | 4 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $81583.12 | 11.000% |  |  |  |  |  |  |
| 122819710 |  |  |  | N/A |  | Yes | No | $29676.60 | $35033.16 |  | 7.659% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22579.96 | 1 | $18419.40 | $2007.00 |  |  |  |  |  | 29.991% | 29.991% | 29.991% | 04/01/2022 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $29676.60 |  | 5.350% | $6715.00 | 2.6 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $360350.48 | 23.000% |  |  |  |  |  |  |
| 122572646 |  |  |  | Non QM |  | Yes | No | $20958.48 | $9438.29 |  | 6.302% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $97659.96 | 1 | $63125.04 | $7923.72 |  |  |  |  |  | 24.711% | 24.711% | 24.711% | 06/02/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.800% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.80% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.80% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.80% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.80% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.80% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2002 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20958.48 |  | 5.160% | $0.00 | 3 |  |  |  | No | No | 6.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $2040189.56 | 40.000% |  |  |  |  |  |  |
| 122040903 |  |  |  | Non QM |  | Yes | No | $6088.00 | $8353.83 |  | 7.934% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10910.17 | 1 | $6562.56 | $1091.04 |  |  |  |  |  | 32.092% | 32.092% | 32.092% | 05/09/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6088.00 |  | 5.180% | $0.00 | 2.5 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $78111.15 | 15.000% |  |  |  |  |  |  |
| 122328837 |  |  |  | Non QM |  | Yes | No | $2476.76 | $3176.94 |  | 8.010% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5124.94 | 1 | $2157.48 | $1107.96 |  |  |  |  |  | 44.898% | 44.898% | 44.898% | 06/23/2022 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 38.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2476.76 |  | 5.160% | $0.00 | 2.6 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $122077.65 | 76.000% |  |  |  |  |  |  |
| 122346687 |  |  |  | Non QM |  | Yes | No | $9515.50 | $10520.09 |  | 7.710% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11351.72 | 1 | $2051.40 | $1272.00 |  |  |  |  |  | 30.987% | 30.987% | 30.987% | 05/04/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 61.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2021<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9515.50 |  | 5.380% | $0.00 | 1.2 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $18389.89 |  |  |  |  |  |  |  |
| 122636049 |  |  |  | Non QM |  | Yes | No | $3745.25 | $4527.28 |  | 6.877% |  |  |  | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7464.78 | 1 | $1779.24 | $1373.16 |  |  |  |  |  | 34.416% | 34.416% | 34.416% | 05/17/2022 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 81.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3745.25 |  | 5.330% | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 2 | 0 | 2 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $13390.90 |  |  |  |  |  |  |  |
| 122996051 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $26495.00 | $8367.76 |  | 7.747% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $38930.73 | 1 | $33624.96 | $1995.00 |  |  |  |  |  | 33.706% | 33.706% | 33.706% | 07/13/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $26495.00 |  | 5.610% | $8000.00 | 1.3 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $818160.41 | 30.000% |  |  |  |  |  |  |
| 122411158 |  |  |  | N/A |  | Yes | No | $61875.00 |  |  | 8.250% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14026.33 | 1 | $8618.64 | $1512.12 |  |  |  |  |  | 49.663% | 49.663% | 49.663% | 05/27/2022 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $61875.00 |  | 5.580% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $80476.00 | 3.000% |  |  |  |  |  |  |
| 122717050 |  |  |  | Non QM |  | Yes | No | $23083.75 | $31836.87 |  | 8.402% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $50942.05 | 1 | $3883.32 | $5625.00 |  |  |  |  |  | 31.317% | 31.317% | 31.317% | 07/07/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $23083.75 |  | 5.370% | $0.00 | 2.5 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $316585.10 | 17.000% |  |  |  |  |  |  |
| 122495068 |  |  |  | Non QM |  | Yes | No | $21644.58 | $24770.98 |  | 7.331% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7659.30 | 1 | $4275.84 | $5660.04 |  |  |  |  |  | 39.691% | 39.691% | 39.691% | 07/01/2022 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21644.58 |  | 5.580% | $0.00 | 1.6 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $15295.56 |  |  |  |  |  |  |  |
| 122498864 |  |  |  | Non QM |  | Yes | No | $15983.11 | $7694.61 |  | 9.050% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25003.21 | 1 | $11375.04 | $1554.12 |  |  |  |  |  | 29.179% | 29.179% | 29.179% | 05/18/2022 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15983.11 |  | 5.610% | $20000.00 | 1 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $182239.23 | 20.000% |  |  |  |  |  |  |
| 122266759 |  |  |  | Non QM |  | Yes | No | $16505.00 | $21610.20 |  | 7.806% |  |  |  | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $24669.18 | 1 | $11708.76 | $3051.96 |  |  |  |  |  | 40.339% | 40.339% | 40.339% | 06/16/2022 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16505.00 |  | 5.370% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 2 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $318658.33 | 25.000% |  |  |  |  |  |  |
| 122518923 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 2 | $5395.44 | $751.44 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/07/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 |  | $292473.61 |  |  |  |  |  |  |  |
| 122181795 |  |  |  | Non QM |  | Yes | No | $16815.00 | $23865.00 |  | 9.186% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22245.99 | 1 | $16250.04 | $4977.12 |  |  |  |  |  | 35.757% | 35.757% | 35.757% | 06/21/2022 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16815.00 |  | 5.610% | $80000.00 | 1 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $108602.91 | 8.000% |  |  |  |  |  |  |
| 122797460 |  |  |  | N/A |  | Yes | No | $2175.00 |  |  | 6.836% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4694.93 | 1 | $3648.72 | $1815.96 |  |  |  |  |  | 30.529% | 30.529% | 30.529% | 08/04/2022 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2175.00 |  | 5.610% | $0.00 | 3.9 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $348275.51 |  |  |  |  |  |  |  |
| 122357063 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $13205.16 | $1995.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/03/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 |  | $30037.86 |  |  |  |  |  |  |  |
| 122146458 |  |  |  | Non QM |  | Yes | No | $14184.00 | $7658.70 |  | 9.447% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13280.21 | 1 | $10500.00 | $1150.20 |  |  |  |  |  | 39.682% | 39.682% | 39.682% | 07/08/2022 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 89.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14184.00 |  | 5.370% | $25000.00 | 1.6 |  |  |  | Yes | No | 9.375% | 0 | 2 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $145669.18 | 17.000% |  |  |  |  |  |  |
| 122746804 |  |  |  | N/A |  | Yes | No | $0.00 |  |  | 6.821% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $13443.36 | 2 | $4333.80 | $1539.96 |  |  |  |  |  | 30.596% | 30.596% | 30.596% | 07/13/2022 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.880% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 2 | 0 | 2 | 2 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  | $5000.00 | 1.000% |  |  |  |  |  |  |
| 122247582 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $8650.00 | $13645.44 |  | 7.062% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11980.30 | 1 | $11499.96 | $1296.96 |  |  |  |  |  | 32.758% | 32.758% | 32.758% | 07/08/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8650.00 |  | 5.370% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $215903.84 | 23.000% |  |  |  |  |  |  |
| 122137579 |  |  |  | Non QM |  | Yes | No | $21180.31 | $27880.93 |  | 8.658% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23474.09 | 1 | $29138.40 | $3973.68 |  |  |  |  |  | 43.483% | 43.483% | 43.483% | 07/19/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21180.31 |  | 5.580% | $0.00 | 3.1 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $150000.00 | 9.000% |  |  |  |  |  |  |
| 122067282 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $5845.00 | $6346.22 |  | 7.484% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6737.38 | 1 | $3675.36 | $4659.00 |  |  |  |  |  | 33.908% | 33.908% | 33.908% | 06/23/2022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5845.00 |  | 5.580% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  |  |  |  |  |  |  |
| 122089527 |  |  |  | Non QM |  | Yes | No | $22323.15 | $25503.99 |  | 7.918% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8707.56 | 1 | $5351.40 | $2065.20 |  |  |  |  |  | 45.689% | 45.689% | 45.689% | 07/08/2022 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22323.15 |  | 5.060% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $13594.23 | 1.000% |  |  |  |  |  |  |
| 122359882 |  |  |  | Non QM |  | Yes | No | $12989.80 | $5073.70 |  | 7.832% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6076.52 | 1 | $5731.92 | $455.16 |  |  |  |  |  | 41.657% | 41.657% | 41.657% | 05/26/2022 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 25.850% | 25.850% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.85% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.85% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.85% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.85% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.85% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.85% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.85% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2016 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12989.80 |  | 5.370% | $0.00 | 3.6 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $269513.76 | 43.000% |  |  |  |  |  |  |
| 122067348 |  |  |  | Non QM |  | Yes | No | $23834.17 | $26337.74 |  | 8.383% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $42045.31 | 1 | $6510.96 | $7559.88 |  |  |  |  |  | 12.406% | 12.406% | 12.406% | 07/22/2022 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| 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: 5.00000% \| 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: 5.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $23834.17 |  | 5.610% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $292195.59 | 50.000% |  |  |  |  |  |  |
| 122665899 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 3 | $8237.52 | $1742.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2022 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 |  |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.77 |  |  |  |  |  |  |  |  | $342807.61 | 52.000% |  |  |  |  |  |  |
| 122731214 |  |  |  | Non QM |  | Yes | No | $10652.50 | $13210.00 |  | 10.452% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12333.21 | 1 | $2402.28 | $1577.04 |  |  |  |  |  | 32.060% | 32.060% | 32.060% | 07/19/2022 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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]; Other - 2022<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]; Other - 2022<br> [Borrower - \| Non-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 - 2022<br> [Borrower - \| Non-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 - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10652.50 |  | 5.580% | $40000.00 | 2.7 |  |  |  | Yes | No | 10.000% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122326859 |  |  |  | Non QM |  | Yes | No | $13802.50 | $14631.13 |  | 8.513% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6730.70 | 1 | $2278.56 | $5607.00 |  |  |  |  |  | 39.184% | 39.184% | 39.184% | 06/05/2022 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13802.50 |  | 5.580% | $0.00 | 1.2 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $17464.66 |  |  |  |  |  |  |  |
| 122038740 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $11191.60 | $15518.38 |  | 7.493% |  |  |  | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40462.18 | 1 | $7210.80 | $1973.04 |  |  |  |  |  | 35.010% | 35.010% | 35.010% | 07/11/2022 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11191.60 |  | 5.610% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  |  | $2250035.50 |  |  |  |  |  |  |  |
| 122672486 |  |  |  | Non QM |  | Yes | No | $12113.00 | $6654.28 |  | 7.261% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15800.50 | 1 | $12699.48 | $1954.20 |  |  |  |  |  | 38.935% | 38.935% | 38.935% | 05/17/2022 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12113.00 |  | 5.380% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $39612.57 |  |  |  |  |  |  |  |
| 122284090 |  |  |  | Non QM |  | Yes | No | $11318.00 | $12142.78 |  | 6.001% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18645.98 | 1 | $29799.96 | $4622.04 |  |  |  |  |  | 34.125% | 34.125% | 34.125% | 05/12/2022 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 26 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11318.00 |  | 5.380% | $0.00 | 1 |  |  |  | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $211835.54 |  |  |  |  |  |  |  |
| 122240326 |  |  |  | Non QM |  | Yes | No | $12148.48 | $3282.16 |  | 6.403% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12273.67 | 1 | $4548.60 | $2709.36 |  |  |  |  |  | 43.799% | 43.799% | 43.799% | 06/03/2022 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12148.48 |  | 5.160% | $10604.61 | 2 |  |  |  | No | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $20000.00 | 1.000% |  |  |  |  |  |  |
| 122975134 |  |  |  | Non QM |  | Yes | No | $22074.97 | $26030.62 |  | 6.797% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12522.55 | 1 | $4729.80 | $1793.76 |  |  |  |  |  | 29.196% | 29.196% | 29.196% | 05/09/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22074.97 |  | 5.160% | $0.00 | 1.8 |  |  |  | Yes | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $65810.33 | 11.000% |  |  |  |  |  |  |
| 122815162 |  |  |  | Non QM |  | Yes | No | $14426.88 | $16277.69 |  | 6.218% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $68136.58 | 1 | $4944.96 | $1773.96 |  |  |  |  |  | 5.597% | 5.597% | 5.597% | 05/04/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14426.88 |  | 5.160% | $0.00 | 3 |  |  |  | No | No | 5.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $30209.49 |  |  |  |  |  |  |  |
| 122605429 |  |  |  | Non QM |  | Yes | No | $40817.20 | $24008.47 |  | 7.935% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13489.53 | 1 | $12611.64 | $1970.28 |  |  |  |  |  | 45.066% | 45.066% | 45.066% | 04/18/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $40817.20 |  | 5.330% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $584604.18 | 51.000% |  |  |  |  |  |  |
| 122787775 |  |  |  | Non QM |  | Yes | No | $9794.38 | $11821.63 |  | 8.147% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11571.07 | 1 | $2437.56 | $1491.00 |  |  |  |  |  | 19.508% | 19.508% | 19.508% | 05/27/2022 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9794.38 |  | 5.310% | $2000.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $5000.00 | 2.000% |  |  |  |  |  |  |
| 122237376 |  |  |  | Non QM |  | Yes | No | $4820.00 | $6177.85 |  | 6.322% |  |  |  | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32997.99 | 1 | $1353.60 | $894.00 |  |  |  |  |  | 9.589% | 9.589% | 9.589% | 04/04/2022 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4820.00 |  | 5.180% | $0.00 | 1.1 |  |  |  | No | No | 6.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $94502.63 |  |  |  |  |  |  |  |
| 122598500 |  |  |  | Non QM |  | Yes | No | $6963.00 | $9630.69 |  | 7.951% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $19111.12 | 1 | $8795.04 | $3327.96 |  |  |  |  |  | 16.698% | 16.698% | 16.698% | 06/07/2022 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6963.00 |  | 5.160% | $60000.00 | 2.2 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $76674.68 | 16.000% |  |  |  |  |  |  |
| 122959240 |  |  |  | Non QM |  | Yes | No | $15972.86 | $20297.40 |  | 7.718% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40024.23 | 1 | $4161.84 | $6461.04 |  |  |  |  |  | 11.268% | 11.268% | 11.268% | 06/01/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15972.86 |  | 5.310% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $179005.20 | 29.000% |  |  |  |  |  |  |
| 122360461 |  |  |  | Non QM |  | Yes | No | $15321.85 | $17919.48 |  | 7.256% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $26767.90 | 1 | $3402.72 | $2004.00 |  |  |  |  |  | 20.735% | 20.735% | 20.735% | 05/18/2022 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15321.85 |  | 5.380% | $1500.00 | 1.8 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $92581.01 | 20.000% |  |  |  |  |  |  |
| 122685991 |  |  |  | Non QM |  | Yes | No | $6248.00 | $7997.00 |  | 6.398% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19656.25 | 1 | $9587.52 | $623.40 |  |  |  |  |  | 22.358% | 22.358% | 22.358% | 06/01/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6248.00 |  | 5.160% | $0.00 | 1 |  |  |  | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $287010.32 | 37.000% |  |  |  |  |  |  |
| 122894195 |  |  |  | Non QM |  | Yes | No | $6065.10 | $6620.60 |  | 6.237% |  |  |  | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4262.71 | 1 | $2845.92 | $1593.00 |  |  |  |  |  | 34.360% | 34.360% | 34.360% | 05/04/2022 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6065.10 |  | 5.160% | $0.00 | 1 |  |  |  | Yes | No | 5.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $6374.65 |  |  |  |  |  |  |  |
| 122509438 |  |  |  | Non QM |  | Yes | No | $7902.50 | $11769.84 |  | 6.642% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17696.50 | 1 | $10362.48 | $936.96 |  |  |  |  |  | 26.531% | 26.531% | 26.531% | 06/14/2022 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7902.50 |  | 5.160% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $302028.02 | 36.000% |  |  |  |  |  |  |
| 122943193 |  |  |  | Non QM |  | Yes | No | $11135.00 | $12665.50 |  | 6.943% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8365.82 | 1 | $5250.84 | $971.04 |  |  |  |  |  | 39.009% | 39.009% | 39.009% | 05/19/2022 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11135.00 |  | 5.160% | $50000.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $25000.00 | 5.000% |  |  |  |  |  |  |
| 122837706 |  |  |  | Non QM |  | Yes | No | $5113.38 | $6970.81 |  | 6.889% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7490.62 | 1 | $3048.12 | $1188.00 |  |  |  |  |  | 29.872% | 29.872% | 29.872% | 06/11/2022 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5113.38 |  | 5.310% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $187126.47 | 36.000% |  |  |  |  |  |  |
| 122977910 |  |  |  | Non QM |  | Yes | No | $14646.42 | $17209.63 |  | 8.093% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5111.96 | 1 | $9048.96 | $883.20 |  |  |  |  |  | 45.610% | 45.610% | 45.610% | 05/27/2022 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2014 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14646.42 |  | 5.310% | $0.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $9946.28 | 2.000% |  |  |  |  |  |  |
| 122844219 |  |  |  | N/A |  | Yes | No | $10851.00 | $16695.06 |  | 6.372% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $91079.53 | 1 | $3301.92 | $2096.88 |  |  |  |  |  | 31.241% | 31.241% | 31.241% | 04/28/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10851.00 |  | 5.160% | $0.00 | 1.2 |  |  |  | Yes | No | 6.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $63500.00 | 10.000% |  |  |  |  |  |  |
| 122015916 |  |  |  | Non QM |  | Yes | No | $20963.00 | $24746.38 |  | 6.785% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $139971.00 | 2 | $8998.44 | $2877.96 |  |  |  |  |  | 4.599% | 4.599% | 4.599% | 05/31/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20963.00 |  | 5.180% | $0.00 |  |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $70000.00 | 7.000% |  |  |  |  |  |  |
| 122274508 |  |  |  | Non QM |  | Yes | No | $15756.64 | $9665.36 |  | 6.992% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8896.95 | 1 | $18270.00 | $6588.00 |  |  |  |  |  | 49.955% | 49.955% | 49.955% | 05/09/2022 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 91.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15756.64 |  | 5.180% | $0.00 | 2.5 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122310278 |  |  |  | Non QM |  | Yes | No | $1463.00 | $10805.84 |  | 7.679% |  |  |  | No | No | Employed | Not Employed | Self-Employed |  | 17.68 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $19397.39 | 1 | $18437.52 | $4257.96 |  |  |  |  |  | 49.216% | 49.216% | 49.216% | 06/14/2022 | 714 | 751 | 756 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Personal | 52.000% |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.90% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.90% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.90% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.90% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1463.00 |  | 5.310% | $0.00 | 2.6 |  |  |  | Yes | No | 7.625% | 1 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $1303002.25 | 88.000% |  |  |  |  |  |  |
| 122447175 |  |  |  | Non QM |  | Yes | No | $2760.00 | $3609.90 |  | 6.907% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $99222.93 | 1 | $6476.28 | $3890.52 |  |  |  |  |  | 7.980% | 7.980% | 7.980% | 06/13/2022 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 81.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2760.00 |  | 5.160% | $2500.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $573094.86 | 44.000% |  |  |  |  |  |  |
| 122000830 |  |  |  | Non QM |  | Yes | No | $13739.55 | $15609.23 |  | 8.158% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7080.42 | 1 | $1732.08 | $1108.20 |  |  |  |  |  | 47.506% | 47.506% | 47.506% | 07/08/2022 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13739.55 |  | 5.310% | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 1 | 0 |  |  | 15.57 | No |  |  |  |  |  |  |  |  |  |  | $80240.68 | 25.000% |  |  |  |  |  |  |
| 122895517 |  |  |  | Non QM |  | Yes | No | $20746.10 | $23281.02 |  | 5.993% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9559.58 | 1 | $15439.80 | $2771.28 |  |  |  |  |  | 45.194% | 35.619% | 45.194% | 04/25/2022 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20746.10 |  | 5.170% | $0.00 | 2.8 |  |  |  | No | No | 5.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  | $519875.44 | 52.000% |  |  |  |  |  |  |
| 122814098 |  |  |  | Non QM |  | Yes | No | $1563.00 | $18424.62 |  | 7.400% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $293288.55 | 1 | $44173.68 | $7320.36 |  |  |  |  |  | 10.730% | 10.730% | 10.730% | 04/19/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1563.00 |  | 5.160% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122112175 |  |  |  | Non QM |  | Yes | No | $11413.50 | $13154.69 |  | 6.545% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4382.17 | 1 | $1923.12 | $2021.04 |  |  |  |  |  | 38.584% | 38.584% | 38.584% | 05/21/2022 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11413.50 |  | 5.310% | $0.00 | 2.2 |  |  |  | Yes | No | 6.250% | 1 |  | 1 | 0 | 3 | 1 |  |  | 17.90 | No |  |  |  |  |  |  |  |  |  |  | $99926.13 | 19.000% |  |  |  |  |  |  |
| 122902386 |  |  |  | Non QM |  | Yes | No | $7689.20 | $4306.11 |  | 6.779% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6035.91 | 1 | $10775.64 | $800.16 |  |  |  |  |  | 36.546% | 36.546% | 36.546% | 07/12/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2012 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7689.20 |  | 5.330% | $150.00 | 2.6 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $396425.52 | 78.000% |  |  |  |  |  |  |
| 122836762 |  |  |  | Non QM |  | Yes | No | $6727.00 | $8285.75 |  | 6.890% |  |  |  | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17894.78 | 1 | $4092.36 | $2787.72 |  |  |  |  |  | 43.152% | 43.152% | 43.152% | 06/06/2022 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6727.00 |  | 5.160% | $0.00 | 1.5 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $230428.01 | 36.000% |  |  |  |  |  |  |
| 122101668 |  |  |  | Non QM |  | Yes | No | $10664.73 | $11958.07 |  | 8.089% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15645.29 | 1 | $4689.96 | $1749.96 |  |  |  |  |  | 28.133% | 28.133% | 28.133% | 06/07/2022 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10664.73 |  | 5.860% | $0.00 | 1.1 |  |  |  | No | No | 7.750% | 0 |  | 1 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $194482.83 | 41.000% |  |  |  |  |  |  |
| 122106623 |  |  |  | Non QM |  | Yes | No | $38681.28 | $42675.79 |  | 6.176% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $73864.84 | 1 | $31087.32 | $2534.04 |  |  |  |  |  | 18.475% | 18.475% | 18.475% | 05/19/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $38681.28 |  | 4.440% | $0.00 | 3.1 |  |  |  | Yes | No | 5.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $185500.00 | 10.000% |  |  |  |  |  |  |
| 122347013 |  |  |  | N/A |  | Yes | No | $8778.72 | $10401.55 |  | 7.644% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $119804.73 | 4 | $5571.48 | $13521.72 |  |  |  |  |  | 20.030% | 20.030% | 20.030% | 06/13/2022 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8778.72 |  | 5.310% | $0.00 |  |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $447644.23 | 52.000% |  |  |  |  |  |  |
| 122144729 |  |  |  | Non QM |  | Yes | No | $22768.13 | $25702.21 |  | 6.945% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $82837.36 | 1 | $11832.48 | $2915.16 |  |  |  |  |  | 12.076% | 12.076% | 12.076% | 05/26/2022 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22768.13 |  | 5.160% | $28780.00 | 2.4 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $523305.67 | 36.000% |  |  |  |  |  |  |
| 122418702 |  |  |  | Non QM |  | Yes | No | $20779.13 | $23725.34 |  | 6.556% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11844.72 | 1 | $3332.76 | $1047.48 |  |  |  |  |  | 35.051% | 35.051% | 35.051% | 07/11/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20779.13 |  | 5.310% | $0.00 | 1.2 |  |  |  | No | No | 6.250% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $531217.73 | 49.000% |  |  |  |  |  |  |
| 122623797 |  |  |  | Non QM |  | Yes | No | $7931.59 | $8846.70 |  | 7.267% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9099.46 | 1 | $4794.36 | $1868.04 |  |  |  |  |  | 39.557% | 39.557% | 39.557% | 06/02/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7931.59 |  | 5.310% | $0.00 | 2 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $241550.08 | 68.000% |  |  |  |  |  |  |
| 122467980 |  |  |  | Non QM |  | Yes | No | $32118.44 | $34450.17 |  | 7.266% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $617743.70 | 1 | $6348.96 | $2821.56 |  |  |  |  |  | 1.259% | 1.259% | 1.259% | 06/01/2022 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $32118.44 |  | 5.310% | $0.00 | 2 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $661410.15 | 61.000% |  |  |  |  |  |  |
| 122368424 |  |  |  | Non QM |  | Yes | No | $13567.13 | $14457.50 |  | 5.822% |  |  |  | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16117.99 | 1 | $12182.04 | $5931.48 |  |  |  |  |  | 43.965% | 43.580% | 40.173% | 05/24/2022 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13567.13 |  | 4.700% | $0.00 | 1 |  |  |  | Yes | No | 9.375% | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $299824.20 | 35.000% |  |  |  |  |  |  |
| 122073575 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $8370.00 | $10504.89 |  | 7.143% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10298.85 | 1 | $2471.76 | $459.96 |  |  |  |  |  | 21.401% | 21.401% | 21.401% | 07/13/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8370.00 |  | 5.610% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $445639.42 | 100.000% |  |  |  |  |  |  |
| 122452144 |  |  |  | Non QM |  | Yes | No | $19535.00 | $20705.02 |  | 7.817% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15347.66 | 1 | $4607.88 | $4285.08 |  |  |  |  |  | 28.872% | 28.872% | 28.872% | 07/05/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19535.00 |  | 5.370% | $0.00 | 2.2 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $229422.49 | 28.000% |  |  |  |  |  |  |
| 122870556 |  |  |  | Non QM |  | Yes | No | $18990.00 | $16318.17 |  | 6.999% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17243.38 | 1 | $26825.04 | $2667.00 |  |  |  |  |  | 40.895% | 33.546% | 40.895% | 07/26/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18990.00 |  | 5.280% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  | $1265878.12 | 59.000% |  |  |  |  |  |  |
| 122225021 |  |  |  | Non QM |  | Yes | No | $15408.30 | $17853.84 |  | 8.318% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11960.68 | 1 | $12882.72 | $672.36 |  |  |  |  |  | 41.168% | 41.168% | 41.168% | 08/17/2022 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15408.30 |  | 5.610% | $5000.00 | 3.6 |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $222354.53 | 22.000% |  |  |  |  |  |  |
| 122248862 |  |  |  | Non QM |  | Yes | No | $13425.17 | $5695.62 |  | 9.277% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7816.32 | 1 | $2089.56 | $1483.08 |  |  |  |  |  | 42.876% | 42.876% | 42.876% | 08/02/2022 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13425.17 |  | 5.280% | $55000.00 | 1 |  |  |  | Yes | No | 9.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $4000.00 | 1.000% |  |  |  |  |  |  |
| 122974440 |  |  |  | Non QM |  | Yes | No | $19610.62 | $9238.28 |  | 7.890% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10809.70 | 1 | $14096.16 | $1773.00 |  |  |  |  |  | 37.144% | 37.144% | 37.144% | 07/19/2022 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19610.62 |  | 5.200% | $18000.00 | 1.3 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $26814.91 | 3.000% |  |  |  |  |  |  |
| 122231569 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $4987.43 | $5149.87 |  | 7.001% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10388.28 | 1 | $1763.04 | $2232.96 |  |  |  |  |  | 20.090% | 20.090% | 20.090% | 06/17/2022 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4987.43 |  | 5.310% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $29990.00 | 10.000% |  |  |  |  |  |  |
| 122195374 |  |  |  | Non QM |  | Yes | No | $13915.13 | $14522.91 |  | 7.741% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19269.75 | 1 | $8973.24 | $1490.04 |  |  |  |  |  | 19.803% | 19.803% | 19.803% | 08/24/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13915.13 |  | 5.610% | $2000.00 | 3.4 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $57500.21 | 13.000% |  |  |  |  |  |  |
| 122795839 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $3820.00 | $4749.76 |  | 7.001% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1411.62 | 1 | $522.84 | $846.00 |  |  |  |  |  | 49.986% | 49.986% | 49.986% | 05/10/2022 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-T (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-T (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-T (for Business) - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-T - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3820.00 |  | 5.580% | $0.00 | 2.2 |  |  |  | Yes | No | 6.750% | 1 |  | 1 | 0 | 2 | 0 |  |  | 18.73 | No |  |  |  |  |  | Not Stated |  |  |  |  | $50254.76 |  |  |  |  |  |  |  |
| 122647342 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $17857.50 | $822.84 |  | 4.135% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16265.43 | 1 | $6925.44 | $2727.00 |  |  |  |  |  | 27.943% | 27.943% | 27.943% | 08/03/2022 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17857.50 |  | 5.200% | $0.00 | 1.2 |  |  |  | Yes | No | 4.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  |  |  |  |  |  |  |
| 122450884 |  |  |  | Non QM |  | Yes | No | $15793.32 | $20034.62 |  | 8.181% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16439.50 | 1 | $2094.60 | $2853.00 |  |  |  |  |  | 20.528% | 20.528% | 20.528% | 08/30/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15793.32 |  | 5.370% | $9500.00 | 1.2 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $20000.00 | 4.000% |  |  |  |  |  |  |
| 122288626 |  |  |  | N/A |  | Yes | No | $0.00 |  |  | 7.998% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12213.38 | 1 | $3434.88 | $939.96 |  |  |  |  |  | 30.955% | 30.955% | 30.955% | 06/18/2022 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.580% | $0.00 | 1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122788900 |  |  |  | Non QM |  | Yes | No | $16020.00 | $16500.44 |  | 8.088% |  |  |  | Yes | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11564.23 | 1 | $11680.56 | $1379.04 |  |  |  |  |  | 38.632% | 38.632% | 38.632% | 06/22/2022 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16020.00 |  | 5.060% | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $710603.36 |  |  |  |  |  |  |  |
| 122644087 |  |  |  | Non QM |  | Yes | No | $2472.75 | $4098.82 |  | 7.944% |  |  |  | No | No | Not Employed |  | Employed | Not Employed | 15.49 | 0 |  |  | US Citizen | US Citizen |  |  |  |  | $3968.61 | 1 | $1230.00 | $852.00 |  |  |  |  |  | 37.170% | 37.170% | 37.170% | 07/18/2022 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Military VOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2472.75 |  | 5.580% | $0.00 | 2.7 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $41514.94 | 28.000% |  |  |  |  |  |  |
| 122955278 |  |  |  | Non QM |  | Yes | No | $8128.90 | $4583.10 |  | 9.283% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6229.06 | 1 | $1523.04 | $0.00 |  |  |  |  |  | 31.490% | 31.490% | 31.490% | 06/06/2022 | 622 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8128.90 |  | 5.370% | $0.00 | 1 |  |  |  | No | No | 9.000% | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122603250 |  |  |  | Non QM |  | Yes | No | $20243.80 | $24718.80 |  | 9.457% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21227.78 | 1 | $3842.16 | $3072.96 |  |  |  |  |  | 18.910% | 18.910% | 18.910% | 08/02/2022 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20243.80 |  | 5.610% | $63000.00 | 1 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $63640.87 | 11.000% |  |  |  |  |  |  |
| 122108022 |  |  |  | Non QM |  | Yes | No | $3800.00 | $5774.92 |  | 8.754% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1699.50 | 1 | $1913.04 | $1524.96 |  |  |  |  |  | 44.768% | 44.768% | 44.768% | 06/27/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3800.00 |  | 5.580% | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $51776.92 | 31.000% |  |  |  |  |  |  |
| 122252178 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $8931.88 | $10231.73 |  | 7.161% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8675.50 | 1 | $2988.24 | $1401.00 |  |  |  |  |  | 41.666% | 41.666% | 41.666% | 07/11/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8931.88 |  | 5.370% | $0.00 | 2 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $22310.44 | 6.000% |  |  |  |  |  |  |
| 122831191 |  |  |  | Non QM |  | Yes | No | $13740.00 | $18725.68 |  | 7.449% |  |  |  | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $28038.94 | 1 | $13749.96 | $1046.40 |  |  |  |  |  | 27.970% | 27.970% | 27.970% | 08/08/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13740.00 |  | 5.060% | $0.00 | 2.6 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $1912943.41 | 100.000% |  |  |  |  |  |  |
| 122224059 |  |  |  | Non QM |  | Yes | No | $21470.00 | $29758.95 |  | 8.854% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34080.56 | 1 | $15084.84 | $4689.00 |  |  |  |  |  | 20.743% | 20.743% | 20.743% | 07/25/2022 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21470.00 |  | 5.610% | $2000.00 | 2.6 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $72136.73 | 8.000% |  |  |  |  |  |  |
| 122558805 |  |  |  | Non QM |  | Yes | No | $1039.95 | $3009.58 |  | 8.950% |  |  |  | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3972.37 | 1 | $3090.00 | $1470.00 |  |  |  |  |  | 45.580% | 45.580% | 45.580% | 08/08/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 42.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1039.95 |  | 5.370% | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 1 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $42362.14 | 12.000% |  |  |  |  |  |  |
| 122316439 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $3156.00 | $1295.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/27/2022 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.01 | 0.33 |  |  |  |  |  |  |  |  | $34960.24 |  |  |  |  |  |  |  |
| 122411066 |  |  |  | Non QM |  | Yes | No | $10388.34 | $5991.90 |  | 8.863% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27735.92 | 1 | $7713.24 | $1953.96 |  |  |  |  |  | 18.208% | 18.208% | 18.208% | 08/01/2022 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10388.34 |  | 5.370% | $0.00 | 1 |  |  |  | No | No | 8.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $119583.16 | 23.000% |  |  |  |  |  |  |
| 122592510 |  |  |  | Non QM |  | Yes | No | $26251.13 | $27606.38 |  | 8.261% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $78476.90 | 1 | $10475.40 | $6047.52 |  |  |  |  |  | 10.169% | 10.169% | 10.169% | 07/25/2022 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $26251.13 |  | 5.610% | $0.00 | 1.1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $20000.00 | 2.000% |  |  |  |  |  |  |
| 122182338 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $4120.00 | $7056.38 |  | 6.592% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6261.46 | 1 | $3191.28 | $1863.00 |  |  |  |  |  | 39.091% | 39.091% | 39.091% | 08/09/2022 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4120.00 |  | 5.060% | ($1500.00) | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  |  | $341223.40 | 45.000% |  |  |  |  |  |  |
| 122033123 |  |  |  | Non QM |  | Yes | No | $11891.00 | $13907.81 |  | 9.001% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7142.01 | 1 | $5468.76 | $1674.00 |  |  |  |  |  | 48.686% | 48.686% | 48.686% | 08/16/2022 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11891.00 |  | 5.610% | $0.00 | 1 |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $233896.37 |  |  |  |  |  |  |  |
| 122230427 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $8092.50 | $10383.12 |  | 6.921% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $82112.35 | 1 | $20031.72 | $3426.96 |  |  |  |  |  | 18.027% | 18.027% | 18.027% | 09/02/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8092.50 |  | 5.200% | $5500.00 | 2.6 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $280153.97 | 34.000% |  |  |  |  |  |  |
| 122799274 |  |  |  | Non QM |  | Yes | No | $14715.93 | $7378.98 |  | 9.405% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7164.74 | 1 | $2334.72 | $2339.04 |  |  |  |  |  | 43.915% | 43.915% | 43.915% |  | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 61.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| 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: 0.00000% \| 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: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14715.93 |  | 5.060% | $0.00 | 1.3 |  |  |  | Yes | No | 9.250% | 0 | 1 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $113597.31 | 25.000% |  |  |  |  |  |  |
| 122148570 |  |  |  | Non QM |  | Yes | No | $11254.34 | $13237.43 |  | 7.931% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4342.23 | 1 | $3451.32 | $1953.00 |  |  |  |  |  | 44.444% | 44.444% | 44.444% | 08/10/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11254.34 |  | 5.060% | $135000.00 | 1.5 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $1000.00 | 0.000% |  |  |  |  |  |  |
| 122202470 |  |  |  | Non QM |  | Yes | No | $12867.90 | $15742.08 |  | 7.251% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35851.18 | 1 | $6827.88 | $524.04 |  |  |  |  |  | 10.372% | 10.372% | 10.372% | 06/21/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 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]; Other - 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; Third Party Verification - 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12867.90 |  | 5.610% | $0.00 | 3.7 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $52773.24 | 11.000% |  |  |  |  |  |  |
| 122050785 |  |  |  | Non QM |  | Yes | No | $6370.00 | $7811.72 |  | 7.377% |  |  |  | No | No | Not Employed |  | Not Employed | Not Employed | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  | $7425.91 | 1 | $5812.56 | $1607.04 |  |  |  |  |  | 40.652% | 40.652% | 40.652% | 08/01/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2021<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2020<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2014<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-R - 2021<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-R - 2020<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2020<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2020 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6370.00 |  | 5.280% | $0.00 | 2 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $478187.74 | 100.000% |  |  |  |  |  |  |
| 122637216 |  |  |  | Non QM |  | Yes | No | $20583.57 | $23057.75 |  | 6.206% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30532.18 | 1 | $8377.32 | $821.04 |  |  |  |  |  | 13.621% | 13.621% | 13.621% | 06/09/2022 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20583.57 |  | 5.160% | $0.00 | 1 |  |  |  | No | No | 5.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $604574.50 | 52.000% |  |  |  |  |  |  |
| 122679343 |  |  |  | Non QM |  | Yes | No | $14545.06 | $17142.61 |  | 6.181% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8725.23 | 1 | $3947.16 | $1489.68 |  |  |  |  |  | 45.512% | 45.512% | 45.512% | 06/02/2022 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14545.06 |  | 5.180% | $0.00 | 1.1 |  |  |  | No | No | 5.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $132195.00 | 16.000% |  |  |  |  |  |  |
| 122366432 |  |  |  | Non QM |  | Yes | No | $14803.60 | $8954.30 |  | 7.080% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4948.83 | 1 | $9030.60 | $5094.96 |  |  |  |  |  | 49.855% | 49.855% | 49.855% | 06/07/2022 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14803.60 |  | 5.160% | $0.00 | 1.2 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $222372.30 | 44.000% |  |  |  |  |  |  |
| 122077768 |  |  |  | Non QM |  | Yes | No | $16719.71 | $17658.95 |  | 6.609% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17140.41 | 1 | $15827.40 | $3630.12 |  |  |  |  |  | 28.027% | 28.027% | 28.027% | 05/25/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16719.71 |  | 5.160% | $0.00 | 1 |  |  |  | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $129079.13 |  |  |  |  |  |  |  |
| 122261587 |  |  |  | Non QM |  | Yes | No | $27697.00 | $12360.86 |  | 6.919% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11116.42 | 2 | $7155.12 | $3111.96 |  |  |  |  |  | 37.154% | 37.154% | 37.154% | 06/23/2022 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $27697.00 |  | 5.160% | $0.00 |  |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122589784 |  |  |  | Non QM |  | Yes | No | $6081.00 | $7017.54 |  | 8.081% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11089.51 | 1 | $12951.24 | $3768.96 |  |  |  |  |  | 26.171% | 26.171% | 26.171% | 06/07/2022 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6081.00 |  | 5.310% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $29949.61 |  |  |  |  |  |  |  |
| 122629699 |  |  |  | Non QM |  | Yes | No | $8989.25 | $10762.01 |  | 6.902% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4784.84 | 1 | $6657.48 | $1227.00 |  |  |  |  |  | 48.087% | 48.087% | 48.087% | 06/21/2022 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 82.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8989.25 |  | 5.310% | $0.00 | 2.9 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $647672.89 | 74.000% |  |  |  |  |  |  |
| 122502035 |  |  |  | Non QM |  | Yes | No | $16195.00 | $26511.78 |  | 7.835% |  |  |  | No | No | Not Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $33085.27 | 1 | $23680.20 | $19833.00 |  |  |  |  |  | 35.722% | 35.722% | 35.722% | 05/31/2022 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Note Receivable]; Note - 2019 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16195.00 |  | 5.310% | $0.00 | 4.4 |  |  |  | No | No | 7.750% | 0 |  | 1 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $244125.28 |  |  |  |  |  |  |  |
| 122567254 |  |  |  | Non QM |  | Yes | No | $28414.02 | $33759.37 |  | 6.017% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17598.06 | 1 | $17887.44 | $2495.04 |  |  |  |  |  | 35.612% | 35.612% | 35.612% | 05/17/2022 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.330% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| 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: 33.33% \| 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: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $28414.02 |  | 5.380% | $0.00 | 3.4 |  |  |  | No | No | 5.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $549840.84 | 37.000% |  |  |  |  |  |  |
| 122974095 |  |  |  | Non QM |  | Yes | No | $10542.40 | $12483.93 |  | 7.109% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10476.88 | 1 | $1060.32 | $1095.00 |  |  |  |  |  | 36.223% | 36.223% | 36.223% | 05/27/2022 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| 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: 75.00% \| 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: 75.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10542.40 |  | 5.160% | $0.00 | 1.3 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $471397.65 | 100.000% |  |  |  |  |  |  |
| 122795649 |  |  |  | Non QM |  | Yes | No | $10364.19 | $11623.71 |  | 8.460% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6828.73 | 1 | $6504.12 | $647.04 |  |  |  |  |  | 46.175% | 46.175% | 46.175% | 06/01/2022 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10364.19 |  | 5.860% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $12778.34 | 2.000% |  |  |  |  |  |  |
| 122620067 |  |  |  | Non QM |  | Yes | No | $5402.20 | $8019.91 |  | 7.919% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6452.25 | 1 | $1627.68 | $1461.96 |  |  |  |  |  | 44.858% | 44.858% | 44.858% | 05/26/2022 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5402.20 |  | 5.160% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $78477.64 | 17.000% |  |  |  |  |  |  |
| 122784284 |  |  |  | Non QM |  | Yes | No | $6419.12 | $7489.04 |  | 7.644% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7193.33 | 1 | $3961.80 | $658.08 |  |  |  |  |  | 23.818% | 23.818% | 23.818% | 04/26/2022 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6419.12 |  | 5.330% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $15592.57 |  |  |  |  |  |  |  |
| 122410327 |  |  |  | N/A |  | Yes | No | $15845.80 | $18514.53 |  | 8.075% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $394573.14 | 2 | $11485.44 | $1406.88 |  |  |  |  |  | 9.001% | 9.001% | 9.001% | 07/13/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15845.80 |  | 5.380% | $0.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $26183.81 |  |  |  |  |  |  |  |
| 122470312 |  |  |  | Non QM |  | Yes | No | $10909.49 | $11737.56 |  | 7.791% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4165.91 | 1 | $4726.44 | $940.68 |  |  |  |  |  | 49.737% | 49.737% | 49.737% | 08/12/2022 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10909.49 |  | 5.160% | $1000.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 18.40 | No |  |  |  |  |  |  |  |  |  |  | $72558.10 | 15.000% |  |  |  |  |  |  |
| 122536686 |  |  |  | Non QM |  | Yes | No | $10495.00 | $16456.50 |  | 7.572% |  |  |  | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10470.03 | 1 | $11562.48 | $1230.12 |  |  |  |  |  | 38.513% | 38.513% | 38.513% | 08/21/2022 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10495.00 |  | 5.200% | $10000.00 | 1.4 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $660804.50 | 71.000% |  |  |  |  |  |  |
| 122091816 |  |  |  | Non QM |  | Yes | No | $9784.40 | $4148.27 |  | 7.711% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5277.97 | 1 | $6377.04 | $261.00 |  |  |  |  |  | 45.198% | 45.198% | 45.198% | 07/27/2022 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9784.40 |  | 5.370% | $0.00 | 1.5 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $225922.42 |  |  |  |  |  |  |  |
| 122073032 |  |  |  | Non QM |  | Yes | No | $8044.13 | $3199.13 |  | 8.648% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2408.51 | 1 | $914.28 | $648.48 |  |  |  |  |  | 47.020% | 47.020% | 47.020% | 06/13/2022 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8044.13 |  | 5.780% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $89210.60 | 31.000% |  |  |  |  |  |  |
| 122511261 |  |  |  | Non QM |  | Yes | No | $3628.00 | $4601.94 |  | 8.596% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25183.39 | 1 | $8758.68 | $1768.56 |  |  |  |  |  | 28.020% | 28.020% | 28.020% | 06/28/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3628.00 |  | 5.880% | $2000.00 | 1.1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $11600.00 | 2.000% |  |  |  |  |  |  |
| 122293869 |  |  |  | Non QM |  | Yes | No | $1009.20 | $2167.31 |  | 7.725% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9760.46 | 1 | $6232.92 | $962.40 |  |  |  |  |  | 24.597% | 24.597% | 24.597% | 06/29/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1009.20 |  | 5.370% | $0.00 | 1.1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $40000.00 | 12.000% |  |  |  |  |  |  |
| 122077279 |  |  |  | Non QM |  | Yes | No | $10929.78 | $11264.78 |  | 7.657% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14639.57 | 1 | $7448.04 | $3530.16 |  |  |  |  |  | 27.344% | 27.344% | 27.344% | 05/31/2022 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10929.78 |  | 5.610% | $5000.00 | 2.8 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $123105.13 | 27.000% |  |  |  |  |  |  |
| 122964392 |  |  |  | Non QM |  | Yes | No | $10595.00 | $14897.28 |  | 7.060% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14159.12 | 1 | $12000.00 | $1136.16 |  |  |  |  |  | 49.178% | 49.178% | 49.178% | 06/27/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10595.00 |  | 5.860% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $31778.92 | 3.000% |  |  |  |  |  |  |
| 122966980 |  |  |  | Non QM |  | Yes | No | $5056.75 | $8342.63 |  | 8.598% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $275343.76 | 1 | $8151.96 | $4004.04 |  |  |  |  |  | 12.674% | 12.674% | 12.674% | 05/16/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 55.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| 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: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5056.75 |  | 5.370% | $0.00 | 3.1 |  |  |  | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $703843.98 | 71.000% |  |  |  |  |  |  |
| 122994660 |  |  |  | Non QM |  | Yes | No | $13683.00 | $20534.20 |  | 7.631% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15409.24 | 1 | $28054.68 | $1474.80 |  |  |  |  |  | 46.300% | 46.300% | 46.300% | 05/23/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13683.00 |  | 5.860% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $92954.72 |  |  |  |  |  |  |  |
| 122292118 |  |  |  | Non QM |  | Yes | No | $11052.92 | $18911.32 |  | 7.300% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $107631.55 | 1 | $13374.96 | $1028.04 |  |  |  |  |  | 10.405% | 10.405% | 10.405% | 06/17/2022 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11052.92 |  | 5.860% | $3000.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $97492.88 | 9.000% |  |  |  |  |  |  |
| 122057677 |  |  |  | Non QM |  | Yes | No | $5218.81 | $7784.53 |  | 7.958% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19234.40 | 1 | $10912.08 | $468.96 |  |  |  |  |  | 21.662% | 21.662% | 21.662% | 06/01/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 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]; Third Party Verification - 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]; Third Party Verification - 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]; Third Party Verification - 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]; Third Party Verification - 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 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5218.81 |  | 5.880% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $30292.14 | 8.000% |  |  |  |  |  |  |
| 122984369 |  |  |  | Non QM |  | Yes | No | $12740.80 | $16158.97 |  | 7.265% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10101.61 | 1 | $11380.92 | $2171.04 |  |  |  |  |  | 34.552% | 34.552% | 34.552% | 06/16/2022 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12740.80 |  | 5.860% | $0.00 | 2.2 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $92000.00 | 14.000% |  |  |  |  |  |  |
| 122519150 |  |  |  | Non QM |  | Yes | No | $14468.03 | $16958.05 |  | 7.799% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9469.84 | 1 | $7405.44 | $614.04 |  |  |  |  |  | 30.930% | 30.930% | 30.930% | 06/17/2022 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14468.03 |  | 5.880% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $118521.05 | 27.000% |  |  |  |  |  |  |
| 122754146 |  |  |  | Non QM |  | Yes | No | $18799.60 | $21870.03 |  | 7.926% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $160711.28 | 1 | $4177.80 | $2247.00 |  |  |  |  |  | 13.081% | 13.081% | 13.081% | 07/05/2022 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| 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: 49.00% \| 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: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18799.60 |  | 5.880% | $8000.00 | 3.6 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $653500.75 | 75.000% |  |  |  |  |  |  |
| 122162787 |  |  |  | N/A |  | Yes | No | $18696.53 | $21126.14 |  | 7.893% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2897.74 | 1 | $3760.80 | $2202.72 |  |  |  |  |  | 43.452% | 43.452% | 43.452% | 06/14/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18696.53 |  | 5.880% | $0.00 | 1.1 |  |  |  | Yes | No | 7.375% | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $106471.73 | 23.000% |  |  |  |  |  |  |
| 122239665 |  |  |  | Non QM |  | Yes | No | $3226.25 | $5644.97 |  | 7.604% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12285.20 | 1 | $7766.16 | $1698.00 |  |  |  |  |  | 34.477% | 34.477% | 34.477% | 06/09/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3226.25 |  | 5.860% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $4285.80 |  |  |  |  |  |  |  |
| 122296044 |  |  |  | Non QM |  | Yes | No | $13363.00 | $14066.50 |  | 8.252% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23864.99 | 1 | $10123.92 | $2999.04 |  |  |  |  |  | 31.490% | 31.490% | 31.490% | 07/22/2022 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13363.00 |  | 5.780% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $50547.82 |  |  |  |  |  |  |  |
| 122390354 |  |  |  | Non QM |  | Yes | No | $3395.00 | $4410.68 |  | 7.995% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7041.81 | 1 | $2340.36 | $2501.76 |  |  |  |  |  | 43.217% | 43.217% | 43.217% | 06/24/2022 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3395.00 |  | 5.880% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $137531.84 | 31.000% |  |  |  |  |  |  |
| 122251004 |  |  |  | Non QM |  | Yes | No | $8199.20 | $5968.67 |  | 7.894% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6231.43 | 1 | $1377.96 | $2208.00 |  |  |  |  |  | 25.020% | 25.020% | 25.020% | 06/06/2022 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8199.20 |  | 5.780% | $0.00 | 1.5 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $3000.00 | 1.000% |  |  |  |  |  |  |
| 122617392 |  |  |  | Non QM |  | Yes | No | $9475.00 | $10838.31 |  | 7.768% |  |  |  | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $10431.21 | 1 | $8167.80 | $1537.20 |  |  |  |  |  | 33.918% | 33.918% | 33.918% | 06/14/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 99.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9475.00 |  | 5.880% | $0.00 | 4.8 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $4076.85 | 1.000% |  |  |  |  |  |  |
| 122688231 |  |  |  | Non QM |  | Yes | No | $9238.00 | $8840.13 |  | 8.439% |  |  |  | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9707.86 | 1 | $4611.60 | $1275.00 |  |  |  |  |  | 37.701% | 37.701% | 37.701% | 06/26/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - C-Corp]; CPA Letter - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9238.00 |  | 5.580% | $15000.00 | 1 |  |  |  | N/A | No | 8.250% | 1 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $192933.87 | 36.000% |  |  |  |  |  |  |
| 122179491 |  |  |  | Non QM |  | Yes | No | $18741.46 | $20626.06 |  | 8.108% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11858.67 | 1 | $2456.64 | $1419.12 |  |  |  |  |  | 34.539% | 34.539% | 34.539% | 06/15/2022 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18741.46 |  | 5.310% | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $82471.50 | 12.000% |  |  |  |  |  |  |
| 122822832 |  |  |  | Non QM |  | Yes | No | $17640.88 | $19365.64 |  | 7.352% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12562.29 | 1 | $12354.48 | $1958.04 |  |  |  |  |  | 39.901% | 39.901% | 39.901% | 07/21/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17640.88 |  | 5.370% | $0.00 | 2.9 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $320607.54 | 30.000% |  |  |  |  |  |  |
| 122139176 |  |  |  | N/A |  | Yes | No | $4133.38 | $5031.95 |  | 8.701% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14999.65 | 1 | $748.68 | $770.88 |  |  |  |  |  | 39.932% | 39.932% | 39.932% | 07/20/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: 11]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 11]; 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: 11]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 11]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 11]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4133.38 |  | 5.860% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $117725.88 | 34.000% |  |  |  |  |  |  |
| 122808818 |  |  |  | Non QM |  | Yes | No | $8013.00 | $8864.60 |  | 7.316% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10003.35 | 1 | $4247.40 | $1068.96 |  |  |  |  |  | 27.973% | 27.973% | 27.973% | 06/14/2022 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8013.00 |  | 5.780% | $0.00 | 2.6 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $368463.88 | 70.000% |  |  |  |  |  |  |
| 122027135 |  |  |  | Non QM |  | Yes | No | $3390.00 | $4978.01 |  | 8.568% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12225.51 | 1 | $6310.56 | $1271.04 |  |  |  |  |  | 45.598% | 45.598% | 45.598% | 07/14/2022 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3390.00 |  | 5.370% | $0.00 | 2.9 |  |  |  | Yes | No | 8.500% | 2 | 2 | 2 | 0 | 3 | 3 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  | $168404.29 | 21.000% |  |  |  |  |  |  |
| 122953139 |  |  |  | Non QM |  | Yes | No | $4439.25 | $5092.07 |  | 7.331% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8098.89 | 1 | $12266.64 | $9661.44 |  |  |  |  |  | 33.911% | 33.911% | 33.911% | 06/07/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4439.25 |  | 5.880% | $0.00 | 1.4 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $46165.48 |  |  |  |  |  |  |  |
| 122013064 |  |  |  | Non QM |  | Yes | No | $26770.90 | $28076.40 |  | 6.965% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $136071.84 | 1 | $11224.32 | $1995.84 |  |  |  |  |  | 8.886% | 8.886% | 8.886% | 05/04/2022 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $26770.90 |  | 5.880% | $0.00 | 3 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $57130.79 | 3.000% |  |  |  |  |  |  |
| 122430161 |  |  |  | N/A |  | Yes | No | $20601.31 | $22197.51 |  | 7.466% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $85800.45 | 1 | $3076.44 | $3636.00 |  |  |  |  |  | 7.235% | 7.235% | 7.235% | 06/20/2022 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| 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: 80.00000% \| 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: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20601.31 |  | 5.580% | $10000.00 | 1.2 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $160959.49 | 21.000% |  |  |  |  |  |  |
| 122138048 |  |  |  | Non QM |  | Yes | No | $14961.80 | $16303.59 |  | 7.345% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5601.10 | 1 | $3836.28 | $816.48 |  |  |  |  |  | 39.844% | 39.844% | 39.844% | 07/20/2022 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 24]; Other - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14961.80 |  | 5.730% | $0.00 | 1.5 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $33770.95 |  |  |  |  |  |  |  |
| 122008856 |  |  |  | Non QM |  | Yes | No | $1750.00 | $2238.36 |  | 7.933% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $2794.93 | 1 | $3453.96 | $1977.96 |  |  |  |  |  | 45.251% | 45.251% | 45.251% | 07/13/2022 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1750.00 |  | 5.370% | $0.00 | 2.3 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 3 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $0.00 |  |  |  |  |  |  |  |
| 122806050 |  |  |  | Non QM |  | Yes | No | $10320.00 | $11900.50 |  | 9.796% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8528.86 | 1 | $2580.48 | $8705.64 |  |  |  |  |  | 35.469% | 35.469% | 35.469% | 07/19/2022 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10320.00 |  | 4.870% | $0.00 | 1 |  |  |  | Yes | No | 9.000% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $13957.40 |  |  |  |  |  |  |  |
| 122570251 |  |  |  | N/A |  | Yes | No | $19950.00 |  |  | 7.101% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $77961.12 | 1 | $24999.96 | $1641.12 |  |  |  |  |  | 22.039% | 22.039% | 22.039% | 08/22/2022 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19950.00 |  | 5.200% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $973942.78 | 49.000% |  |  |  |  |  |  |
| 122497719 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $3300.00 | $4318.36 |  | 7.294% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8206.98 | 1 | $487.32 | $561.00 |  |  |  |  |  | 30.082% | 30.082% | 30.082% | 07/19/2022 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3300.00 |  | 5.370% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $82870.78 | 29.000% |  |  |  |  |  |  |
| 122207336 |  |  |  | Non QM |  | Yes | No | $13582.00 | $6146.74 |  | 8.185% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13815.01 | 1 | $14441.40 | $1616.16 |  |  |  |  |  | 41.735% | 41.735% | 41.735% | 07/20/2022 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 78.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| 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: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13582.00 |  | 5.200% | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 0 | 2 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $222710.56 | 23.000% |  |  |  |  |  |  |
| 122555011 |  |  |  | Non QM |  | Yes | No | $18399.80 | $19866.76 |  | 7.571% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5658.72 | 1 | $12732.84 | $1140.96 |  |  |  |  |  | 49.049% | 49.049% | 49.049% | 06/07/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 1991 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18399.80 |  | 5.610% | $0.00 | 1.2 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $181913.04 | 23.000% |  |  |  |  |  |  |
| 122972882 |  |  |  | Non QM |  | Yes | No | $7197.00 | $7002.98 |  | 7.656% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3982.90 | 1 | $12216.12 | $3612.84 |  |  |  |  |  | 49.957% | 49.957% | 49.957% | 06/24/2022 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7197.00 |  | 5.370% | $0.00 | 1.5 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $1114.22 |  |  |  |  |  |  |  |
| 122780790 |  |  |  | Non QM |  | Yes | No | $15658.26 | $17799.58 |  | 6.961% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7951.15 | 1 | $6988.92 | $2400.96 |  |  |  |  |  | 49.782% | 49.782% | 49.782% | 07/26/2022 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15658.26 |  | 5.280% | $0.00 | 3.3 |  |  |  | No | No | 6.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $28049.79 | 3.000% |  |  |  |  |  |  |
| 122132114 |  |  |  | Non QM |  | Yes | No | $11495.00 | $4993.60 |  | 7.900% |  |  |  | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35007.02 | 1 | $16835.16 | $1360.92 |  |  |  |  |  | 28.428% | 24.396% | 28.428% | 08/25/2022 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11495.00 |  | 5.200% | $750.00 | 1.1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 |  | $3185513.21 | 100.000% |  |  |  |  |  |  |
| 122286266 |  |  |  | Non QM |  | Yes | No | $1304.99 | $4820.55 |  | 8.249% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1875.66 | 1 | $2155.80 | $340.92 |  |  |  |  |  | 49.045% | 49.045% | 49.045% | 07/05/2022 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 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 - Business - 2022<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 - 2022<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]; Other - 2022<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]; Telephone Listing / Internet Search / Directory Assistance - 2022<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]; Third Party Verification - 2022<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]; Other - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1304.99 |  | 5.620% | $0.00 | 3.1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $32394.14 | 21.000% |  |  |  |  |  |  |
| 122366745 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $24995.00 | $37137.70 |  | 7.108% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $73934.35 | 1 | $7598.64 | $2730.96 |  |  |  |  |  | 40.618% | 40.618% | 40.618% | 07/14/2022 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $24995.00 |  | 5.580% | $0.00 | 2.6 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $1271953.58 |  |  |  |  |  |  |  |
| 122589029 |  |  |  | Non QM |  | Yes | No | $11027.68 | $5589.22 |  | 7.989% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $19131.65 | 1 | $6102.36 | $2721.96 |  |  |  |  |  | 26.417% | 26.417% | 26.417% | 07/05/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Personal - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11027.68 |  | 5.060% | $1321.00 | 2.1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $133008.86 | 24.000% |  |  |  |  |  |  |
| 122409255 |  |  |  | N/A |  | Yes | No | $1680.00 |  |  | 7.232% |  |  |  | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16861.90 | 1 | $4083.12 | $1169.04 |  |  |  |  |  | 15.694% | 15.694% | 15.694% | 08/11/2022 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 1 | 0 |  |  |  | $1680.00 |  | 5.200% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $953000.84 | 100.000% |  |  |  |  |  |  |
| 122201686 |  |  |  | Non QM |  | Yes | No | $7691.50 | $8472.82 |  | 7.334% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2910.48 | 1 | $3002.04 | $2098.32 |  |  |  |  |  | 36.825% | 36.825% | 36.825% | 08/17/2022 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7691.50 |  | 6.090% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $186748.09 |  |  |  |  |  |  |  |
| 122171030 |  |  |  | Non QM |  | Yes | No | $9451.75 | $10833.04 |  | 7.014% |  |  |  | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5191.72 | 1 | $3274.92 | $1323.96 |  |  |  |  |  | 37.479% | 29.290% | 37.479% | 07/01/2022 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9451.75 |  | 5.370% | $0.00 | 1.8 |  |  |  | No | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  | $49950.00 |  |  |  |  |  |  |  |
| 122365880 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $1742.52 | $935.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 1 |  |  |  | Yes | No |  | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 |  | $66988.65 |  | No |  |  |  |  |  |
| 122270383 |  |  |  | Non QM |  | Yes | No | $18595.13 | $20005.57 |  | 8.414% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15449.77 | 1 | $3623.88 | $4610.04 |  |  |  |  |  | 23.733% | 23.733% | 23.733% | 08/12/2022 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18595.13 |  | 5.620% | $10000.00 | 1.2 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $10000.00 | 2.000% | No |  |  |  |  |  |
| 122800887 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $14812.56 | $2108.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 2.3 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.3 |  |  |  |  |  |  |  |  | $600845.76 | 51.000% | No |  |  |  |  |  |
| 122476760 |  |  |  | Non QM |  | Yes | No | $8370.00 | $6517.92 |  | 7.080% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5764.35 | 1 | $5365.08 | $2883.72 |  |  |  |  |  | 38.742% | 38.742% | 38.742% | 08/10/2022 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8370.00 |  | 5.280% | $9500.00 | 1.6 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $614546.44 | 85.000% | No |  |  |  |  |  |
| 122410711 |  |  |  | N/A |  | Yes | No | $4809.37 |  |  | 7.070% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23810.74 | 1 | $1902.60 | $1038.00 |  |  |  |  |  | 35.401% | 35.401% | 35.401% | 08/09/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | 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 - 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]; Other - 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]; Other - 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]; Other - 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4809.37 |  | 5.200% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $89909.48 | 40.000% | No |  |  |  |  |  |
| 122071050 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $6390.00 | $6941.81 |  | 7.020% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12143.76 | 1 | $1118.64 | $2845.08 |  |  |  |  |  | 16.042% | 16.042% | 16.042% | 08/15/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6390.00 |  | 5.280% | $0.00 | 2.5 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $180141.38 |  | No |  |  |  |  |  |
| 122466648 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $7809.67 | $3622.70 |  | 7.178% |  |  |  | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6073.21 | 1 | $3173.88 | $1262.04 |  |  |  |  |  | 38.133% | 38.133% | 38.133% | 07/20/2022 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2021<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2020<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2019<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020 | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7809.67 |  | 5.200% | $0.00 | 1.5 |  |  |  | Yes | No | 7.125% | 0 | 0 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  |  | $275068.06 |  | No |  |  |  |  |  |
| 122157338 |  |  |  | Non QM |  | Yes | No | $4725.60 | $5838.63 |  | 8.117% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $68650.96 | 1 | $6204.96 | $1738.56 |  |  |  |  |  | 9.919% | 9.919% | 9.919% | 08/30/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4725.60 |  | 5.060% | $1500.00 | 1.4 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |
| 122741292 |  |  |  | Non QM |  | Yes | No | $23299.00 | $32935.50 |  | 6.876% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7730.13 | 1 | $13695.12 | $4938.00 |  |  |  |  |  | 47.328% | 47.328% | 47.328% | 07/11/2022 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $23299.00 |  | 5.370% | $0.00 | 2.7 |  |  |  | No | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $49612.60 |  | No |  |  |  |  |  |
| 122418446 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $3537.12 | $1443.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/05/2022 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 4.8 |  |  |  | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  |  | $53017.01 | 11.000% | No |  |  |  |  |  |
| 122645924 |  |  |  | N/A |  | Yes | No | $33439.00 | $16184.51 |  | 8.653% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13478.08 | 2 | $2953.80 | $2421.60 |  |  |  |  |  | 39.430% | 39.430% | 39.430% | 06/15/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $33439.00 |  | 5.610% | $0.00 |  |  |  |  | No | No | 8.500% | 1 |  | 1 | 0 | 1 | 1 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122948922 |  |  |  | Non QM |  | Yes | No | $7663.00 | $4764.05 |  | 8.432% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9653.08 | 1 | $11259.00 | $2510.04 |  |  |  |  |  | 42.476% | 42.476% | 42.476% | 07/02/2022 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 60.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7663.00 |  | 5.370% | $3000.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $134330.35 | 19.000% |  |  |  |  |  |  |
| 122291649 |  |  |  | Non QM |  | Yes | No | $1690.00 | $5858.02 |  | 8.205% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10013.49 | 1 | $10553.28 | $1576.44 |  |  |  |  |  | 41.925% | 41.925% | 41.925% | 07/27/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1690.00 |  | 5.610% | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $102601.81 | 14.000% |  |  |  |  |  |  |
| 122546244 |  |  |  | N/A |  | Yes | No | $4974.16 | $6409.80 |  | 8.562% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $113648.76 | 1 | $2023.20 | $935.04 |  |  |  |  |  | 19.425% | 19.425% | 19.425% | 07/07/2022 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; Other - 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; Third Party Verification - 2022<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]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022<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 - 2000 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4974.16 |  | 5.370% | $0.00 | 3.7 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $398575.49 |  |  |  |  |  |  |  |
| 122038654 |  |  |  | Non QM |  | Yes | No | $13353.80 | $16817.44 |  | 7.900% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23126.38 | 1 | $13851.48 | $3707.76 |  |  |  |  |  | 36.428% | 36.428% | 36.428% | 06/24/2022 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13353.80 |  | 5.370% | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $379703.60 | 32.000% |  |  |  |  |  |  |
| 122759425 |  |  |  | Non QM |  | Yes | No | $3264.00 | $5493.18 |  | 7.315% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12280.84 | 1 | $5327.40 | $1809.84 |  |  |  |  |  | 12.537% | 12.537% | 12.537% | 06/06/2022 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3264.00 |  | 5.610% | $0.00 | 1.2 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $112182.06 | 55.000% |  |  |  |  |  |  |
| 122995892 |  |  |  | Non QM |  | Yes | No | $19869.41 | $24488.02 |  | 7.589% |  |  |  | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14390.73 | 1 | $18312.48 | $972.96 |  |  |  |  |  | 41.196% | 41.196% | 41.196% | 06/05/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19869.41 |  | 5.580% | $0.00 | 1.8 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $3425201.13 | 100.000% |  |  |  |  |  |  |
| 122659784 |  |  |  | Non QM |  | Yes | No | $12928.00 | $2992.27 |  | 7.663% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5221.89 | 1 | $2622.24 | $2607.00 |  |  |  |  |  | 45.416% | 45.416% | 45.416% | 07/19/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 1 | 0 |  |  |  | $12928.00 |  | 5.370% | $0.00 | 1.3 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $13855.64 |  |  |  |  |  |  |  |
| 122722978 |  |  |  | Non QM |  | Yes | No | $15706.92 | $18930.93 |  | 8.754% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $49258.65 | 1 | $12180.00 | $4090.56 |  |  |  |  |  | 20.139% | 20.139% | 20.139% | 07/08/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-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 - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15706.92 |  | 5.780% | $500.00 | 1 |  |  |  | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $434840.23 | 45.000% |  |  |  |  |  |  |
| 122782801 |  |  |  | Non QM |  | Yes | No | $6049.97 | $7291.89 |  | 7.974% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2717.35 | 1 | $724.08 | $2252.04 |  |  |  |  |  | 49.532% | 49.532% | 49.532% | 07/13/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 7.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6049.97 |  | 5.580% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $47714.74 | 21.000% |  |  |  |  |  |  |
| 122165097 |  |  |  | Non QM |  | Yes | No | $16956.76 | $19453.77 |  | 7.816% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $114187.21 | 1 | $8755.80 | $2223.60 |  |  |  |  |  | 7.043% | 7.043% | 7.043% | 07/25/2022 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16956.76 |  | 5.610% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $243488.72 | 33.000% |  |  |  |  |  |  |
| 122364068 |  |  |  | Non QM |  | Yes | No | $20664.73 | $7992.32 |  | 7.212% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16929.51 | 1 | $20832.96 | $1895.04 |  |  |  |  |  | 29.075% | 29.075% | 29.075% | 08/02/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 2022<br> [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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20664.73 |  | 5.370% | $0.00 | 1.1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $124829.44 | 11.000% |  |  |  |  |  |  |
| 122022577 |  |  |  | Non QM |  | Yes | No | $16709.80 | $23726.38 |  | 7.506% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12684.39 | 1 | $20250.00 | $4047.00 |  |  |  |  |  | 48.045% | 44.006% | 48.045% | 08/04/2022 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16709.80 |  | 5.880% | $0.00 | 3.9 |  |  |  | Yes | No | 7.375% | 0 |  | 1 | 0 | 4 | 1 |  |  | 18.00 | No |  |  |  |  |  |  |  |  | 360 |  | $2726780.51 | 100.000% |  |  |  |  |  |  |
| 122923430 |  |  |  | Non QM |  | Yes | No | $10712.00 | $12025.61 |  | 7.946% |  |  |  | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12736.08 | 1 | $5067.60 | $2730.96 |  |  |  |  |  | 45.000% | 45.000% | 45.000% | 07/09/2022 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 79.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10712.00 |  | 5.580% | $3000.00 | 1.7 |  |  |  | Yes | No | 7.750% | 2 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $43855.38 | 6.000% |  |  |  |  |  |  |
| 122132867 |  |  |  | N/A |  | Yes | No | $5188.00 | $14561.45 |  | 8.472% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $57241.73 | 4 | $15937.56 | $942.00 |  |  |  |  |  | 17.965% | 17.965% | 17.965% | 06/01/2022 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5188.00 |  | 5.370% | $0.00 |  |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $97844.72 | 8.000% |  |  |  |  |  |  |
| 122629257 |  |  |  | Non QM |  | Yes | No | $7171.00 | $8172.85 |  | 7.271% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3985.62 | 1 | $3660.96 | $1851.00 |  |  |  |  |  | 38.724% | 38.724% | 38.724% | 06/27/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7171.00 |  | 5.370% | $500.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $184474.11 | 51.000% |  |  |  |  |  |  |
| 122256989 |  |  |  | Non QM |  | Yes | No | $15174.87 | $9013.33 |  | 8.506% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $21674.52 | 1 | $8187.48 | $1068.96 |  |  |  |  |  | 23.784% | 23.784% | 23.784% | 07/18/2022 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15174.87 |  | 5.610% | $3000.00 | 4.5 |  |  |  | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $165881.70 | 25.000% |  |  |  |  |  |  |
| 122959386 |  |  |  | Non QM |  | Yes | No | $7363.00 | $9655.38 |  | 7.181% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30541.50 | 1 | $4605.36 | $1490.04 |  |  |  |  |  | 18.753% | 18.753% | 18.753% | 07/01/2022 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7363.00 |  | 5.370% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $282463.58 | 46.000% |  |  |  |  |  |  |
| 122958650 |  |  |  | N/A |  | Yes | No | $6154.80 | $7278.02 |  | 8.310% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32870.75 | 1 | $605.28 | $495.00 |  |  |  |  |  | 48.930% | 48.930% | 48.930% | 06/02/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Farming]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Farming]; P&L Statement - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6154.80 |  | 5.610% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 2 |  | 2 | 0 | 3 | 2 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  | $585189.67 | 100.000% |  |  |  |  |  |  |
| 122872322 |  |  |  | Non QM |  | Yes | No | $6175.40 | $9522.19 |  | 7.672% |  |  |  | No | No | Self-Employed | Not Employed | Employed |  | 39.13 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $9929.06 | 1 | $9750.00 | $1010.16 |  |  |  |  |  | 42.109% | 42.109% | 42.109% | 06/11/2022 | 765 | 796 | 805 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6175.40 |  | 5.610% | $1700.00 | 1.3 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 18.87 | No |  |  |  |  |  |  |  |  |  |  | $1187028.86 | 100.000% |  |  |  |  |  |  |
| 122492585 |  |  |  | Non QM |  | Yes | No | $20817.40 | $8386.94 |  | 8.604% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $209184.89 | 1 | $15393.12 | $1974.96 |  |  |  |  |  | 6.632% | 6.632% | 6.632% | 07/13/2022 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20817.40 |  | 5.370% | $1000.00 | 4.1 |  |  |  | No | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  |  | $43995.19 | 5.000% |  |  |  |  |  |  |
| 122687938 |  |  |  | N/A |  | Yes | No | $2671.60 | $3301.77 |  | 8.656% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7349.67 | 1 | $680.76 | $977.04 |  |  |  |  |  | 43.826% | 43.826% | 43.826% | 06/29/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2671.60 |  | 5.370% | $0.00 | 2.8 |  |  |  | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $243153.26 | 84.000% |  |  |  |  |  |  |
| 122441820 |  |  |  | Non QM |  | Yes | No | $16363.00 | $18825.31 |  | 7.640% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13238.56 | 1 | $14138.40 | $1203.96 |  |  |  |  |  | 47.046% | 47.046% | 47.046% | 06/28/2022 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16363.00 |  | 5.610% | $30000.00 | 1 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  | $465938.04 | 29.000% |  |  |  |  |  |  |
| 122379371 |  |  |  | Non QM |  | Yes | No | $1363.00 | $15843.57 |  | 7.541% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $123961.41 | 1 | $46875.00 | $8858.04 |  |  |  |  |  | 17.128% | 17.128% | 17.128% | 07/29/2022 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1363.00 |  | 5.370% | $0.00 | 1.6 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $799544.98 | 21.000% |  |  |  |  |  |  |
| 122590246 |  |  |  | Non QM |  | Yes | No | $8082.32 | $8212.68 |  | 7.049% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $31580.23 | 1 | $2063.28 | $1101.96 |  |  |  |  |  | 15.796% | 15.796% | 15.796% | 07/13/2022 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8082.32 |  | 5.370% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $27067.06 | 5.000% |  |  |  |  |  |  |
| 122408701 |  |  |  | N/A |  | Yes | No | $12514.00 | $16712.56 |  | 8.511% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $78484.43 | 1 | $34664.64 | $1895.04 |  |  |  |  |  | 30.968% | 30.968% | 30.968% | 07/26/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 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]; Third Party Verification - 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]; Third Party Verification - 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]; Third Party Verification - 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]; 4506-C (for 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]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12514.00 |  | 5.610% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $794821.84 | 50.000% |  |  |  |  |  |  |
| 122002097 |  |  |  | Non QM |  | Yes | No | $8442.88 | $12872.99 |  | 8.746% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $28746.25 | 1 | $9395.88 | $2090.04 |  |  |  |  |  | 15.886% | 15.886% | 15.886% | 07/14/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8442.88 |  | 5.580% | $0.00 | 2.5 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $162940.54 | 24.000% |  |  |  |  |  |  |
| 122818674 |  |  |  | Non QM |  | Yes | No | $8724.20 | $8703.52 |  | 7.205% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $44682.02 | 1 | $7002.96 | $681.96 |  |  |  |  |  | 5.096% | 5.096% | 5.096% | 06/21/2022 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 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]; Other - 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8724.20 |  | 4.950% | $5000.00 | 1 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $227509.16 | 58.000% |  |  |  |  |  |  |
| 122186632 |  |  |  | Non QM |  | Yes | No | $24034.68 | $24415.18 |  | 7.257% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30098.95 | 1 | $5583.60 | $1431.96 |  |  |  |  |  | 19.746% | 16.711% | 19.746% | 06/09/2022 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $24034.68 |  | 5.580% | $0.00 | 3.4 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  | $151054.30 | 21.000% |  |  |  |  |  |  |
| 122680646 |  |  |  | Non QM |  | Yes | No | $12055.00 | $14104.66 |  | 7.868% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $3826.79 | 1 | $5679.96 | $1748.04 |  |  |  |  |  | 46.948% | 46.948% | 46.948% | 08/17/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12055.00 |  | 5.860% | $42000.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $97490.31 | 20.000% |  |  |  |  |  |  |
| 122588159 |  |  |  | Non QM |  | Yes | No | $3950.06 | $4142.83 |  | 7.294% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6912.54 | 1 | $1232.88 | $1329.00 |  |  |  |  |  | 42.800% | 42.800% | 42.800% | 08/01/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3950.06 |  | 5.060% | $5000.00 | 1.1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 19.03 | No |  |  |  |  |  |  |  |  |  |  | $1525.72 | 1.000% | No |  |  |  |  |  |
| 122816084 |  |  |  | Non QM |  | Yes | No | $63556.60 | $73513.26 |  | 6.881% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14015.80 | 1 | $18328.32 | $2202.00 |  |  |  |  |  | 47.997% | 47.997% | 47.997% | 08/29/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $63556.60 |  | 5.160% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $519383.25 | 25.000% |  |  |  |  |  |  |
| 122458642 |  |  |  | Non QM |  | Yes | No | $26363.00 | $36009.77 |  | 7.714% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33663.23 | 1 | $6404.40 | $902.04 |  |  |  |  |  | 23.011% | 23.011% | 23.011% | 07/19/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $26363.00 |  | 5.580% | $0.00 | 2.6 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $288523.41 | 16.000% |  |  |  |  |  |  |
| 122739984 |  |  |  | Non QM |  | Yes | No | $35967.99 | $22115.41 |  | 7.516% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32171.63 | 1 | $25625.04 | $2139.24 |  |  |  |  |  | 31.462% | 25.602% | 31.462% | 07/19/2022 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $35967.99 |  | 5.610% | $0.00 | 4.4 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 |  | $203942.43 |  |  |  |  |  |  |  |
| 122085202 |  |  |  | Non QM |  | Yes | No | $16282.00 | $17939.06 |  | 7.515% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19235.32 | 1 | $5804.28 | $5040.96 |  |  |  |  |  | 30.668% | 30.668% | 30.668% | 07/18/2022 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16282.00 |  | 5.580% | $0.00 | 1.5 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $207677.92 | 25.000% |  |  |  |  |  |  |
| 122188487 |  |  |  | Non QM |  | Yes | No | $13127.06 | $8683.35 |  | 8.678% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6849.07 | 1 | $12695.52 | $1050.96 |  |  |  |  |  | 38.149% | 38.149% | 38.149% | 07/18/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 8.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13127.06 |  | 5.610% | $25000.00 | 1.7 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $61151.28 | 15.000% |  |  |  |  |  |  |
| 122942587 |  |  |  | Non QM |  | Yes | No | $14083.00 | $8802.82 |  | 8.518% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17869.43 | 1 | $22791.36 | $2456.04 |  |  |  |  |  | 31.573% | 31.573% | 31.573% | 08/18/2022 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14083.00 |  | 5.580% | $10000.00 | 1.2 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $75000.00 | 9.000% |  |  |  |  |  |  |
| 122768244 |  |  |  | Non QM |  | Yes | No | $10723.00 | $12688.19 |  | 8.666% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8428.88 | 1 | $6500.04 | $1022.04 |  |  |  |  |  | 47.720% | 47.720% | 47.720% | 07/07/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10723.00 |  | 5.370% | $5000.00 | 1 |  |  |  | Yes | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $263926.40 | 51.000% |  |  |  |  |  |  |
| 122276100 |  |  |  | N/A |  | Yes | No | $16748.92 | $24242.07 |  | 8.533% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21033.75 | 2 | $3540.12 | $2624.04 |  |  |  |  |  | 33.687% | 33.687% | 33.687% | 07/06/2022 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16748.92 |  | 5.780% | $0.00 |  |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $62000.00 | 10.000% |  |  |  |  |  |  |
| 122558531 |  |  |  | Non QM |  | Yes | No | $10305.26 | $10899.39 |  | 8.710% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9489.88 | 1 | $10816.56 | $1319.04 |  |  |  |  |  | 47.237% | 47.237% | 47.237% | 06/28/2022 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 44.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 44.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 44.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 44.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 44.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 44.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 44.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10305.26 |  | 5.580% | $0.00 | 2 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $161434.27 | 24.000% |  |  |  |  |  |  |
| 122787230 |  |  |  | Non QM |  | Yes | No | $12260.95 | $7245.93 |  | 7.905% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4355.80 | 1 | $7375.44 | $1423.44 |  |  |  |  |  | 49.543% | 49.543% | 49.543% | 07/10/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12260.95 |  | 5.580% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $79489.66 | 12.000% |  |  |  |  |  |  |
| 122050272 |  |  |  | Non QM |  | Yes | No | $6000.00 | $9057.54 |  | 7.019% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $58748.50 | 1 | $15027.48 | $2439.00 |  |  |  |  |  | 9.139% | 9.139% | 9.139% | 07/27/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6000.00 |  | 5.610% | $0.00 | 1.4 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $49000.00 | 5.000% |  |  |  |  |  |  |
| 122150998 |  |  |  | Non QM |  | Yes | No | $15285.70 | $17462.35 |  | 8.093% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $136471.86 | 1 | $4382.52 | $2381.04 |  |  |  |  |  | 25.644% | 25.644% | 25.644% | 07/19/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 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 - 2022<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 - 2022<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 - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15285.70 |  | 5.610% | $0.00 | 3.6 |  |  |  | No | No | 8.000% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $90812.83 | 4.000% |  |  |  |  |  |  |
| 122966407 |  |  |  | Non QM |  | Yes | No | $11665.50 | $15352.84 |  | 8.665% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8073.54 | 1 | $10098.96 | $1198.32 |  |  |  |  |  | 42.186% | 42.186% | 42.186% | 08/01/2022 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  |  | $11665.50 |  | 5.370% | $0.00 | 1.3 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $10000.00 | 2.000% |  |  |  |  |  |  |
| 122233820 |  |  |  | N/A |  | Yes | No | $10048.31 | $7259.64 |  | 8.111% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21066.83 | 1 | $4321.20 | $609.96 |  |  |  |  |  | 40.706% | 40.706% | 40.706% | 07/20/2022 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10048.31 |  | 5.060% | $0.00 | 1.6 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $13367.83 |  |  |  |  |  |  |  |
| 122765638 |  |  |  | Non QM |  | Yes | No | $21438.50 | $22694.00 |  | 7.749% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $36709.90 | 1 | $39223.20 | $15801.96 |  |  |  |  |  | 43.641% | 43.641% | 43.641% | 08/23/2022 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 94.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21438.50 |  | 5.060% | $0.00 | 3.1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $978519.80 | 41.000% |  |  |  |  |  |  |
| 122195620 |  |  |  | Non QM |  | Yes | No | $9227.76 | $9851.49 |  | 7.251% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7561.00 | 1 | $3760.20 | $1130.04 |  |  |  |  |  | 30.658% | 30.658% | 30.658% | 07/21/2022 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9227.76 |  | 5.610% | $0.00 | 1.2 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $154797.05 | 32.000% |  |  |  |  |  |  |
| 122575054 |  |  |  | Non QM |  | Yes | No | $7483.00 | $9951.51 |  | 8.767% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $11845.19 | 1 | $10548.24 | $2280.96 |  |  |  |  |  | 35.104% | 35.104% | 35.104% | 08/15/2022 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| 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: 80.00000% \| 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: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7483.00 |  | 5.370% | $0.00 | 2.4 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $135355.05 | 27.000% |  |  |  |  |  |  |
| 122785793 |  |  |  | N/A |  | Yes | No | $9473.90 | $12272.92 |  | 7.885% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11613.84 | 1 | $3462.12 | $909.96 |  |  |  |  |  | 47.017% | 47.017% | 47.017% | 07/12/2022 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| 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: 51.00% \| 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: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9473.90 |  | 5.060% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 122181037 |  |  |  | Non QM |  | Yes | No | $13938.27 | $15982.71 |  | 7.948% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9167.48 | 1 | $5809.44 | $1238.04 |  |  |  |  |  | 36.667% | 36.667% | 36.667% | 07/25/2022 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13938.27 |  | 5.370% | $0.00 | 1.5 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $10453.67 | 3.000% |  |  |  |  |  |  |
| 122599065 |  |  |  | N/A |  | Yes | No | $1453.00 | $2794.95 |  | 8.666% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5396.09 | 2 | $3416.76 | $1323.96 |  |  |  |  |  | 35.376% | 35.376% | 35.376% | 08/16/2022 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1453.00 |  | 5.610% | $3700.00 |  |  |  |  | No | No | 8.500% | 0 |  | 2 | 0 | 3 | 2 |  |  | 19.47 | No |  |  |  |  |  |  |  |  |  |  | $13306.75 | 7.000% |  |  |  |  |  |  |
| 122794857 |  |  |  | Non QM |  | Yes | No | $5484.52 | $7894.41 |  | 8.323% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14383.31 | 1 | $4556.52 | $1782.00 |  |  |  |  |  | 26.606% | 26.606% | 26.606% | 07/06/2022 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5484.52 |  | 5.060% | $0.00 | 2.9 |  |  |  | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $141190.44 |  |  |  |  |  |  |  |
| 122391876 |  |  |  | Non QM |  | Yes | No | $34161.41 | $39415.59 |  | 7.419% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7514.89 | 1 | $290.76 | $636.96 |  |  |  |  |  | 48.078% | 48.078% | 48.078% | 07/11/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $34161.41 |  | 5.610% | $0.00 | 2.7 |  |  |  | No | No | 7.000% | 1 |  | 1 | 0 | 3 | 2 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  |  | $166176.03 | 17.000% |  |  |  |  |  |  |
| 122158353 |  |  |  | Non QM |  | Yes | No | $7925.50 | $10358.01 |  | 8.488% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $9143.91 | 1 | $9574.92 | $1815.00 |  |  |  |  |  | 37.147% | 37.147% | 37.147% | 08/08/2022 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 33.000% | 60.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7925.50 |  | 5.370% | $0.00 | 1.6 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $21470.27 |  |  |  |  |  |  |  |
| 122078715 |  |  |  | Non QM |  | Yes | No | $4955.30 | $6210.60 |  | 8.878% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3660.65 | 1 | $2736.36 | $2514.96 |  |  |  |  |  | 44.859% | 44.859% | 44.859% | 07/18/2022 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4955.30 |  | 5.370% | $2500.00 | 3.2 |  |  |  | Yes | No | 8.500% | 1 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $273673.42 | 100.000% |  |  |  |  |  |  |
| 122164679 |  |  |  | Non QM |  | Yes | No | $4982.70 | $6583.76 |  | 7.614% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39951.38 | 1 | $1230.72 | $1575.00 |  |  |  |  |  | 7.149% | 7.149% | 7.149% | 08/08/2022 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4982.70 |  | 5.060% | $0.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $159520.00 | 45.000% |  |  |  |  |  |  |
| 122444784 |  |  |  | Non QM |  | Yes | No | $5351.97 | $13433.62 |  | 7.947% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22360.79 | 1 | $24445.44 | $1175.04 |  |  |  |  |  | 49.041% | 49.041% | 49.041% | 08/26/2022 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 39.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 39.00% \| 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: 39.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 39.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 39.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 39.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5351.97 |  | 5.610% | $2500.00 | 2.5 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $359403.43 | 25.000% |  |  |  |  |  |  |
| 122657155 |  |  |  | Non QM |  | Yes | No | $1077.13 | $472.96 |  | 7.092% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23384.21 | 1 | $597.00 | $353.04 |  |  |  |  |  | 15.102% | 15.102% | 15.102% | 07/18/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1077.13 |  | 5.610% | $15885.86 | 3.9 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $46309.96 | 10.000% |  |  |  |  |  |  |
| 122577870 |  |  |  | Non QM |  | Yes | No | $13040.50 | $16555.42 |  | 8.695% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15467.78 | 1 | $13347.60 | $2015.04 |  |  |  |  |  | 34.101% | 34.101% | 34.101% | 07/25/2022 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Account Statements - Business - 2022<br> [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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13040.50 |  | 5.370% | $5100.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $76626.37 | 9.000% |  |  |  |  |  |  |
| 122005468 |  |  |  | Non QM |  | Yes | No | $5751.41 | $7559.33 |  | 7.665% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3124.33 | 1 | $4708.92 | $1524.00 |  |  |  |  |  | 41.656% | 41.656% | 41.656% | 08/08/2022 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| 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: 15.00000% \| 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: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5751.41 |  | 5.180% | $0.00 | 2.9 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $6000.00 | 2.000% |  |  |  |  |  |  |
| 122075088 |  |  |  | Non QM |  | Yes | No | $16658.60 | $18231.81 |  | 7.046% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24535.14 | 1 | $4325.64 | $588.00 |  |  |  |  |  | 49.797% | 48.925% | 49.797% | 07/09/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 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]; 4506-C (for 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]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16658.60 |  | 5.580% | $0.00 | 1.9 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 |  |  |  |  |  |  |  |  |  |
| 122003164 |  |  |  | Non QM |  | Yes | No | $22527.12 | $25352.36 |  | 7.176% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30765.30 | 1 | $42338.64 | $7575.24 |  |  |  |  |  | 39.830% | 39.830% | 39.830% | 08/23/2022 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Business License - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22527.12 |  | 5.370% | $0.00 | 1.1 |  |  |  | No | No | 7.000% | 2 |  | 2 | 0 | 3 | 2 |  |  | 20.00 | No |  |  |  |  |  |  |  |  |  |  | $235693.56 |  |  |  |  |  |  |  |
| 122075049 |  |  |  | Non QM |  | Yes | No | $2356.13 | $2976.00 |  | 8.062% |  |  |  | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6259.85 | 1 | $2929.68 | $357.24 |  |  |  |  |  | 38.552% | 38.552% | 38.552% | 08/08/2022 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 |  | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2356.13 |  | 5.060% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $1019428.07 | 100.000% |  |  |  |  |  |  |
| 122980728 |  |  |  | Non QM |  | Yes | No | $10755.50 | $12905.32 |  | 7.268% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16523.36 | 1 | $21980.76 | $3863.04 |  |  |  |  |  | 29.332% | 29.332% | 29.332% | 08/19/2022 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10755.50 |  | 5.060% | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $171064.66 | 14.000% |  |  |  |  |  |  |
| 122371508 |  |  |  | Non QM |  | Yes | No | $8303.93 | $9145.72 |  | 8.913% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9419.12 | 1 | $4087.68 | $957.96 |  |  |  |  |  | 37.423% | 37.423% | 37.423% | 07/12/2022 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| 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: 35.00000% \| 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: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8303.93 |  | 5.610% | $0.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $5856.03 | 2.000% | No |  |  |  |  |  |
| 122408025 |  |  |  | Non QM |  | Yes | No | $32201.08 | $37007.68 |  | 8.445% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $172017.60 | 1 | $4032.48 | $4282.08 |  |  |  |  |  | 4.435% | 4.435% | 4.435% | 09/21/2022 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $32201.08 |  | 5.620% | $0.00 | 1.1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $248996.25 | 26.000% | No |  |  |  |  |  |
| 122134584 |  |  |  | Non QM |  | Yes | No | $5766.50 | $4684.93 |  | 8.110% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4359.24 | 1 | $5287.92 | $2721.96 |  |  |  |  |  | 49.871% | 49.871% | 49.871% | 08/08/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5766.50 |  | 5.060% | $0.00 | 1.1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |
| 122663765 |  |  |  | N/A |  | Yes | No | $14625.00 |  |  | 8.087% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6609.04 | 1 | $6642.60 | $590.04 |  |  |  |  |  | 44.925% | 44.925% | 44.925% | 06/17/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14625.00 |  | 5.280% | $0.00 | 999 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $29048.39 |  | No |  |  |  |  |  |
| 122848444 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $5157.00 | $1313.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/04/2022 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  |  | $35289.80 | 16.000% | No |  |  |  |  |  |
| 122047572 |  |  |  | Non QM |  | Yes | No | $20908.00 | $9860.50 |  | 7.199% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14726.29 | 1 | $1723.20 | $3857.04 |  |  |  |  |  | 28.762% | 28.762% | 28.762% | 08/22/2022 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20908.00 |  | 5.200% | $0.00 | 2.6 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $0.00 |  | No |  |  |  |  |  |
| 122490310 |  |  |  | Non QM |  | Yes | No | $9149.55 | $10289.70 |  | 9.293% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10575.46 | 1 | $11826.48 | $1197.96 |  |  |  |  |  | 48.086% | 48.086% | 48.086% | 09/23/2022 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Non-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 - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9149.55 |  | 6.740% | $1000.00 | 3.2 |  |  |  | No | No | 9.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $82853.18 | 19.000% | No |  |  |  |  |  |
| 122183389 |  |  |  | Non QM |  | Yes | No | $13656.31 | $16280.96 |  | 8.411% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5759.10 | 1 | $7880.52 | $1527.00 |  |  |  |  |  | 49.420% | 49.420% | 49.420% | 09/06/2022 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13656.31 |  | 5.610% | $0.00 | 4.3 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $122653.61 | 20.000% | No |  |  |  |  |  |
| 122056455 |  |  |  | Non QM |  | Yes | No | $4639.88 | $7271.20 |  | 11.017% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43249.19 | 1 | $8118.72 | $2259.96 |  |  |  |  |  | 19.216% | 19.216% | 19.216% | 09/24/2022 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4639.88 |  | 6.790% | $4196.00 | 2.5 |  |  |  | Yes | No | 10.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $52497.98 | 8.000% | No |  |  |  |  |  |
| 122786322 |  |  |  | N/A |  | Yes | No | $0.00 |  |  | 7.841% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25289.52 | 1 | $5223.96 | $531.96 |  |  |  |  |  | 31.871% | 31.871% | 31.871% | 08/18/2022 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 5.200% | $0.00 | 1.9 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $74456.10 | 25.000% | No |  |  |  |  |  |
| 122413594 |  |  |  | Exempt from ATR |  | Yes | No | $8127.50 | $10684.63 |  | 8.916% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4431.89 | 1 | $7904.04 | $1230.96 |  |  |  |  |  | 47.222% | 47.222% | 47.222% | 07/13/2022 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8127.50 |  | 5.370% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  |  | $132410.11 |  | No | 9 |  |  |  | Yes |
| 122155175 |  |  |  | Exempt from ATR |  | Yes | No | $10875.00 | $13218.13 |  | 8.399% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13854.04 | 2 | $5712.72 | $1318.08 |  |  |  |  |  | 23.182% | 23.182% | 23.182% | 06/23/2022 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10875.00 |  | 5.370% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | Yes |
| 122206173 |  |  |  | Exempt from ATR |  | Yes | No | $5275.00 | $7287.67 |  | 7.864% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4148.53 | 1 | $2939.40 | $504.00 |  |  |  |  |  | 46.814% | 46.814% | 46.814% | 06/27/2022 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5275.00 |  | 4.350% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $179910.24 | 49.000% | No | 0 |  |  |  | Yes |
| 122952194 |  |  |  | Exempt from ATR |  | Yes | No | $9424.38 | $12358.91 |  | 8.039% |  |  |  | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $8171.20 | 2 | $4193.04 | $1625.04 |  |  |  |  |  | 42.048% | 42.048% | 42.048% | 07/06/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9424.38 |  | 5.370% | $30000.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $183106.24 | 21.000% | No | 12 |  |  |  | Yes |
| 122189656 |  |  |  | Exempt from ATR |  | Yes | No | $9405.00 | $11921.67 |  | 8.458% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7729.59 | 1 | $4177.68 | $2283.96 |  |  |  |  |  | 35.565% | 35.565% | 35.565% | 06/29/2022 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9405.00 |  | 5.370% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $92462.97 | 21.000% | No |  |  |  |  | Yes |
| 122358306 |  |  |  | Exempt from ATR |  | Yes | No | $13165.00 | $15819.79 |  | 7.875% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9858.62 | 1 | $9660.00 | $1873.92 |  |  |  |  |  | 34.367% | 34.367% | 34.367% | 06/29/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13165.00 |  | 5.580% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  | $250021.81 | 32.000% | No |  |  |  |  | Yes |
| 122962844 |  |  |  | Exempt from ATR |  | Yes | No | $17268.75 | $21295.00 |  | 8.670% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11279.54 | 3 | $5798.16 | $1469.40 |  |  |  |  |  | 35.577% | 35.577% | 35.577% | 07/28/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17268.75 |  | 5.370% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $402201.55 | 43.000% | No |  |  |  |  | Yes |
| 122509434 |  |  |  | Exempt from ATR |  | Yes | No | $10575.00 | $13435.00 |  | 7.554% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7880.25 | 1 | $5690.04 | $1823.04 |  |  |  |  |  | 25.394% | 25.394% | 25.394% | 06/30/2022 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10575.00 |  | 5.370% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $474841.82 | 72.000% | No |  |  |  |  | Yes |
| 122601416 |  |  |  | Exempt from ATR |  | Yes | No | $8577.00 | $9683.01 |  | 8.695% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4070.28 | 1 | $2583.60 | $967.08 |  |  |  |  |  | 37.993% | 37.993% | 37.993% | 06/09/2022 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8577.00 |  | 5.880% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $64530.32 |  | No |  |  |  |  | Yes |
| 122387720 |  |  |  | N/A |  | Yes | No | $9925.00 | $7365.31 |  | 6.571% |  |  |  | No | No | Employed |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | $10658.35 | 1 | $2154.00 | $693.12 |  |  |  |  |  | 27.585% | 32.144% | 27.585% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9925.00 |  | 5.080% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $108620.48 |  | No | 29 |  |  |  | Yes |
| 122894980 |  |  |  | Exempt from ATR |  | Yes | No | $5140.76 | $8679.31 |  | 6.132% |  |  |  | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4838.55 | 1 | $0.00 | $0.00 |  |  |  |  |  | 36.335% | 49.408% | 36.335% | 06/08/2022 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5140.76 |  | 5.330% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $183773.17 | 48.000% | No | 12 |  |  |  | Yes |
| 122912849 |  |  |  | Exempt from ATR |  | Yes | No | $6210.88 | $8102.13 |  | 8.497% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7659.95 | 1 | $2657.16 | $857.04 |  |  |  |  |  | 25.869% | 25.869% | 25.869% | 06/22/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6210.88 |  | 5.370% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $109108.69 | 38.000% | No |  |  |  |  | Yes |
| 122612717 |  |  |  | Exempt from ATR |  | Yes | No | $14515.00 | $17477.26 |  | 8.318% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $46370.58 | 1 | $5884.20 | $10491.72 |  |  |  |  |  | 17.247% | 17.247% | 17.247% | 06/29/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14515.00 |  | 5.370% | $0.00 |  |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.24 | No |  |  |  |  |  |  |  |  |  |  | $0.00 |  | No |  |  |  |  | Yes |
| 122884083 |  |  |  | Exempt from ATR |  | Yes | No | $11387.50 | $14140.49 |  | 7.477% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12051.27 | 1 | $0.00 | $0.00 |  |  |  |  |  | 29.927% | 29.927% | 29.927% | 05/24/2022 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11387.50 |  | 5.370% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $765299.25 | 79.000% | No |  |  |  |  | Yes |
| 122268271 |  |  |  | Exempt from ATR |  | Yes | No | $8570.00 | $10267.78 |  | 8.799% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8453.39 | 1 | $6733.08 | $1097.04 |  |  |  |  |  | 30.307% | 28.709% | 32.916% | 05/25/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8570.00 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 |  |  |  | No |  |  |  |  | Yes |
| 122324725 |  |  |  | N/A |  | Yes | No | $18340.00 | $8539.17 |  | 6.437% |  |  |  | No | No | Employed |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | $11736.34 | 1 | $9077.52 | $890.04 |  |  |  |  |  | 20.242% | 32.151% | 20.242% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18340.00 |  | 4.590% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $275459.78 | 46.000% | No | 30 |  |  |  | Yes |
| 122460569 |  |  |  | Exempt from ATR |  | Yes | No | $7437.50 | $8709.14 |  | 8.583% |  |  |  | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8055.11 | 1 | $1757.64 | $1925.88 |  |  |  |  |  | 24.378% | 24.378% | 24.378% | 07/20/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7437.50 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $126214.89 | 49.000% | No | 6 | 12 |  |  | Yes |
| 122520813 |  |  |  | Exempt from ATR |  | Yes | No | $16053.75 | $19135.61 |  | 7.909% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9886.07 | 3 | $7272.96 | $1388.40 |  |  |  |  |  | 34.799% | 34.799% | 34.799% | 06/23/2022 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16053.75 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 2 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $437491.63 | 44.000% | No |  |  |  |  | Yes |
| 122925938 |  |  |  | Exempt from ATR |  | Yes | No | $10791.88 | $13042.38 |  | 7.881% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9441.61 | 1 | $11053.20 | $1593.00 |  |  |  |  |  | 37.056% | 37.056% | 37.056% | 07/19/2022 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10791.88 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $39228.65 | 6.000% | No | 0 |  |  |  | Yes |
| 122289835 |  |  |  | Exempt from ATR |  | Yes | No | $4940.00 | $6198.13 |  | 7.442% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4266.00 | 1 | $5538.48 | $1596.96 |  |  |  |  |  | 38.368% | 38.368% | 38.368% | 07/13/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4940.00 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $132209.67 | 31.000% | No |  |  |  |  | Yes |
| 122751627 |  |  |  | Exempt from ATR |  | Yes | No | $10425.00 | $12159.48 |  | 7.579% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9971.63 | 1 | $1813.68 | $1172.04 |  |  |  |  |  | 22.313% | 22.313% | 22.313% | 06/23/2022 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10425.00 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $265222.72 | 57.000% | No |  | 0 |  |  | Yes |
| 122320818 |  |  |  | Exempt from ATR |  | Yes | No | $11100.00 | $13439.38 |  | 6.250% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8690.39 | 1 | $13105.80 | $3786.96 |  |  |  |  |  | 36.548% | 52.976% | 42.040% | 06/29/2022 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11100.00 |  | 5.260% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  | 240 |  | $21177.90 |  | No |  |  |  |  | Yes |
| 122679376 |  |  |  | Exempt from ATR |  | Yes | No | $6340.00 | $8495.00 |  | 8.041% |  |  |  | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7908.24 | 1 | $2784.72 | $1248.00 |  |  |  |  |  | 42.694% | 42.694% | 42.694% | 06/28/2022 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6340.00 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $225760.11 | 35.000% | No | 6 |  |  |  | Yes |
| 122352470 |  |  |  | Exempt from ATR |  | Yes | No | $11760.00 | $13450.99 |  | 8.388% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11689.99 | 2 | $2237.28 | $1640.04 |  |  |  |  |  | 31.503% | 31.503% | 31.503% | 08/16/2022 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11760.00 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  |  | $131576.23 | 18.000% | No |  |  |  |  | Yes |
| 122693752 |  |  |  | Exempt from ATR |  | Yes | No | $14500.00 | $17376.25 |  | 8.393% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8871.44 | 1 | $3649.44 | $1635.96 |  |  |  |  |  | 41.249% | 41.249% | 41.249% | 06/21/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14500.00 |  | 5.370% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $83089.22 | 10.000% | No |  |  |  |  | Yes |
| 122704796 |  |  |  | Exempt from ATR |  | Yes | No | $9450.00 | $10902.60 |  | 8.277% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9523.77 | 1 | $7459.80 | $1095.96 |  |  |  |  |  | 36.826% | 36.826% | 36.826% | 08/10/2022 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9450.00 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 2 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $128486.16 | 34.000% | No |  |  |  |  | Yes |
| 122240369 |  |  |  | Exempt from ATR |  | Yes | No | $5065.00 | $7133.50 |  | 6.033% |  |  |  | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4738.08 | 1 | $0.00 | $0.00 |  |  |  |  |  | 39.255% | 51.508% | 39.255% | 08/10/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5065.00 |  | 5.420% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $130000.00 | 33.000% | No | 12 |  |  |  | Yes |
| 122305945 |  |  |  | Exempt from ATR |  | Yes | No | $17118.76 | $18554.78 |  | 8.217% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9791.56 | 1 | $4808.16 | $1091.04 |  |  |  |  |  | 35.212% | 35.212% | 35.212% | 08/03/2022 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17118.76 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $47839.58 |  | No |  |  |  |  | Yes |
| 122779059 |  |  |  | Exempt from ATR |  | Yes | No | $3975.00 | $4987.50 |  | 8.320% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11761.46 | 1 | $4810.44 | $1800.00 |  |  |  |  |  | 24.768% | 24.768% | 24.768% | 07/29/2022 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3975.00 |  | 5.370% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.00 | No |  |  |  |  |  |  |  |  |  |  | $14495.87 |  | No |  |  |  |  | Yes |
| 122429718 |  |  |  | Exempt from ATR |  | Yes | No | $6480.00 | $8208.70 |  | 8.081% |  |  |  | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6985.44 | 1 | $3890.88 | $795.96 |  |  |  |  |  | 42.742% | 42.742% | 42.742% | 06/21/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6480.00 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $68032.11 | 14.000% | No | 12 |  |  |  | Yes |
| 122979323 |  |  |  | Exempt from ATR |  | Yes | No | $12975.00 | $14261.53 |  | 7.637% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7483.96 | 1 | $12532.20 | $4530.00 |  |  |  |  |  | 39.534% | 39.534% | 39.534% | 07/21/2022 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12975.00 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $537535.80 |  | No |  |  |  |  | Yes |
| 122892002 |  |  |  | Exempt from ATR |  | Yes | No | $18015.00 | $20064.42 |  | 8.656% |  |  |  | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5935.84 | 4 | $6312.84 | $3025.20 |  |  |  |  |  | 49.057% | 49.057% | 49.057% | 06/23/2022 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18015.00 |  | 5.370% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $20059.78 |  | No |  |  |  |  | Yes |
| 122428137 |  |  |  | Exempt from ATR |  | Yes | No | $17353.13 | $18965.75 |  | 7.713% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15715.07 | 1 | $5904.84 | $1502.04 |  |  |  |  |  | 26.479% | 26.479% | 26.479% | 08/11/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17353.13 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $380202.45 | 50.000% | No |  |  |  |  | Yes |
| 122073234 |  |  |  | N/A |  | Yes | No | $19879.25 | $13841.96 |  | 8.824% |  |  |  | No | No | Not Employed |  | Self-Employed |  | 12.67 |  |  |  | Foreign National |  |  |  |  |  | $6367.10 | 1 | $3665.28 | $1061.04 |  |  |  |  |  | 16.988% | 16.988% | 16.988% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19879.25 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $10000.00 | 2.000% | No |  |  |  |  | Yes |
| 122312741 |  |  |  | N/A |  | Yes | No | $20027.51 | $8710.73 |  | 8.418% |  |  |  | No | No | Not Employed |  | Self-Employed |  | 12.73 |  |  |  | US Citizen |  |  |  |  |  | $8944.64 | 2 | $6358.08 | $1962.00 |  |  |  |  |  | 43.512% | 43.512% | 43.512% | 07/29/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20027.51 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $72555.36 | 10.000% | No |  |  |  |  | Yes |
| 122613077 |  |  |  | Exempt from ATR |  | Yes | No | $5560.00 | $6793.31 |  | 6.251% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5403.77 | 1 | $0.00 | $0.00 |  |  |  |  |  | 30.721% | 40.056% | 30.721% | 07/08/2022 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5560.00 |  | 5.420% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $112687.79 | 43.000% | No | 12 |  |  |  | Yes |
| 122876182 |  |  |  | Exempt from ATR |  | Yes | No | $16931.75 | $18410.13 |  | 8.144% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10554.83 | 1 | $5853.00 | $1889.04 |  |  |  |  |  | 36.327% | 36.327% | 36.327% | 08/17/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16931.75 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $243471.30 | 26.000% | No |  |  |  |  | Yes |
| 122861911 |  |  |  | Exempt from ATR |  | Yes | No | $5986.00 | $7189.23 |  | 8.264% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7722.78 | 1 | $2939.04 | $726.96 |  |  |  |  |  | 20.684% | 20.684% | 20.684% | 07/15/2022 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5986.00 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $73372.59 | 30.000% | No |  |  |  |  | Yes |
| 122339891 |  |  |  | Exempt from ATR |  | Yes | No | $13726.25 | $15073.83 |  | 7.741% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6389.85 | 1 | $12410.04 | $2180.04 |  |  |  |  |  | 39.936% | 39.936% | 39.936% | 06/28/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13726.25 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  |  | $151751.84 | 27.000% | No |  |  |  |  | Yes |
| 122961200 |  |  |  | Exempt from ATR |  | Yes | No | $13825.00 | $17124.76 |  | 8.443% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11084.67 | 1 | $6819.12 | $3327.96 |  |  |  |  |  | 30.243% | 30.243% | 30.243% | 08/23/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2015<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2015 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13825.00 |  | 5.200% | $0.00 | 3.2 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $113313.38 |  | No |  |  |  |  | Yes |
| 122705385 |  |  |  | Exempt from ATR |  | Yes | No | $16762.50 | $19065.30 |  | 8.559% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12090.75 | 1 | $16659.36 | $1823.04 |  |  |  |  |  | 39.546% | 39.546% | 39.546% | 08/29/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $16762.50 |  | 5.620% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $167834.53 | 19.000% | No | 12 |  |  |  | Yes |
| 122460568 |  |  |  | Exempt from ATR |  | Yes | No | $4898.50 | $7024.01 |  | 7.902% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2749.92 | 1 | $3030.00 | $1548.00 |  |  |  |  |  | 46.022% | 46.022% | 46.022% | 07/22/2022 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4898.50 |  | 5.200% | $161268.21 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 7 |  |  |  | Yes |
| 122547121 |  |  |  | Exempt from ATR |  | Yes | No | $11087.50 | $13817.25 |  | 8.630% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $49605.85 | 1 | $6036.48 | $6570.36 |  |  |  |  |  | 29.516% | 29.516% | 29.516% | 08/08/2022 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11087.50 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | Yes |
| 122482029 |  |  |  | Exempt from ATR |  | Yes | No | $14568.75 | $19279.53 |  | 8.243% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9151.44 | 1 | $5563.32 | $1647.96 |  |  |  |  |  | 30.715% | 30.715% | 30.715% | 06/08/2022 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14568.75 |  | 5.860% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $236627.14 | 38.000% | No |  |  |  |  | Yes |
| 122595236 |  |  |  | Exempt from ATR |  | Yes | No | $9736.75 | $12659.88 |  | 7.956% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3945.87 | 1 | $2257.32 | $1113.96 |  |  |  |  |  | 42.682% | 42.682% | 42.682% | 08/03/2022 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9736.75 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $100082.14 | 29.000% | No |  |  |  |  | Yes |
| 122289270 |  |  |  | Exempt from ATR |  | Yes | No | $11175.00 | $14350.00 |  | 7.906% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3822.82 | 1 | $7289.04 | $1497.00 |  |  |  |  |  | 47.091% | 47.091% | 47.091% | 07/08/2022 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11175.00 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $74131.34 | 15.000% | No |  |  |  |  | Yes |
| 122363861 |  |  |  | Exempt from ATR |  | Yes | No | $5251.50 | $7938.98 |  | 9.147% |  |  |  | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $3118.76 | 1 | $1129.08 | $618.00 |  |  |  |  |  | 48.021% | 48.021% | 48.021% | 07/25/2022 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5251.50 |  | 4.350% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $1833.40 |  | No | 12 |  |  |  | Yes |
| 122698513 |  |  |  | Exempt from ATR |  | Yes | No | $19275.00 | $24773.89 |  | 8.475% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18911.35 | 1 | $4519.32 | $4189.08 |  |  |  |  |  | 30.174% | 30.174% | 30.174% | 08/11/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19275.00 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $24355.16 | 3.000% | No | 12 |  |  |  | Yes |
| 122455202 |  |  |  | Exempt from ATR |  | Yes | No | $12750.00 | $17646.35 |  | 7.634% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7823.59 | 1 | $5631.84 | $1182.00 |  |  |  |  |  | 36.923% | 36.923% | 36.923% | 06/20/2022 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12750.00 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $254022.35 | 33.000% | No |  |  |  |  | Yes |
| 122449929 |  |  |  | Exempt from ATR |  | Yes | No | $6473.13 | $9099.00 |  | 8.253% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5568.79 | 1 | $2188.32 | $995.04 |  |  |  |  |  | 34.495% | 34.495% | 34.495% | 07/15/2022 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6473.13 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $100075.72 | 37.000% | No |  |  |  |  | Yes |
| 122759796 |  |  |  | Exempt from ATR |  | Yes | No | $5680.00 | $7942.00 |  | 9.523% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16989.80 | 1 | $0.00 | $0.00 |  |  |  |  |  | 29.828% | 29.828% | 29.828% | 07/19/2022 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  | Audited | [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]; Audited P&L - 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]; Other - 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]; Other - 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]; Other - 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]; Third Party Verification - 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]; Third Party Verification - 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 - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2001 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5680.00 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $135666.75 | 71.000% | No |  |  |  |  | Yes |
| 122007801 |  |  |  | Exempt from ATR |  | Yes | No | $9625.00 | $11549.53 |  | 7.659% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $4118.69 | 1 | $4828.80 | $2958.00 |  |  |  |  |  | 37.607% | 37.607% | 37.607% | 08/03/2022 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9625.00 |  | 5.620% | $7000.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $291674.45 | 58.000% | No |  |  |  |  | Yes |
| 122437957 |  |  |  | Exempt from ATR |  | Yes | No | $18778.13 | $24007.15 |  | 8.167% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $10606.47 | 2 | $7465.56 | $1683.96 |  |  |  |  |  | 36.488% | 36.488% | 36.488% | 06/24/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18778.13 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $26517.82 | 3.000% | No |  |  |  |  | Yes |
| 122908899 |  |  |  | Exempt from ATR |  | Yes | No | $15743.00 | $20509.95 |  | 8.498% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11782.45 | 1 | $3943.08 | $1950.00 |  |  |  |  |  | 32.723% | 32.723% | 32.723% | 06/17/2022 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15743.00 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $246924.77 | 36.000% | No |  |  |  |  | Yes |
| 122452570 |  |  |  | Exempt from ATR |  | Yes | No | $4014.75 | $5726.75 |  | 8.548% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2668.41 | 2 | $668.88 | $918.96 |  |  |  |  |  | 32.445% | 32.445% | 32.445% | 06/29/2022 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4014.75 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $36709.09 | 27.000% | No | 12 |  |  |  | Yes |
| 122505200 |  |  |  | Exempt from ATR |  | Yes | No | $15883.75 | $20456.25 |  | 7.783% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8736.78 | 1 | $8762.04 | $1274.04 |  |  |  |  |  | 37.987% | 37.987% | 37.987% | 07/13/2022 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15883.75 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $138519.30 | 16.000% | No |  |  |  |  | Yes |
| 122812134 |  |  |  | Exempt from ATR |  | Yes | No | $21237.50 | $25853.33 |  | 7.573% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24663.61 | 1 | $17536.08 | $1638.96 |  |  |  |  |  | 32.330% | 32.330% | 32.330% | 07/21/2022 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21237.50 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $740194.20 | 57.000% | No |  |  |  |  | Yes |
| 122095730 |  |  |  | Exempt from ATR |  | Yes | No | $9225.00 | $12633.33 |  | 6.700% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6310.68 | 1 | $2842.92 | $264.96 |  |  |  |  |  | 37.412% | 51.427% | 37.412% | 07/19/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9225.00 |  | 5.330% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $112298.62 | 26.000% | No |  |  |  |  | Yes |
| 122822919 |  |  |  | Exempt from ATR |  | Yes | No | $19065.00 | $22963.60 |  | 8.149% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6690.44 | 2 | $6693.96 | $1830.96 |  |  |  |  |  | 42.987% | 42.987% | 42.987% | 08/22/2022 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $19065.00 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $236603.47 | 33.000% | No | 12 |  |  |  | Yes |
| 122937179 |  |  |  | Exempt from ATR |  | Yes | No | $13761.13 | $17082.74 |  | 7.607% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7692.52 | 1 | $2257.20 | $2082.96 |  |  |  |  |  | 39.009% | 39.009% | 39.009% | 07/18/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13761.13 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $190147.79 | 24.000% | No |  |  |  |  | Yes |
| 122899553 |  |  |  | Exempt from ATR |  | Yes | No | $5776.13 | $7596.02 |  | 7.897% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4134.89 | 1 | $844.80 | $900.96 |  |  |  |  |  | 35.398% | 35.398% | 35.398% | 06/28/2022 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5776.13 |  | 5.620% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $83721.72 | 39.000% | No |  |  |  |  | Yes |
| 122175329 |  |  |  | Exempt from ATR |  | Yes | No | $12790.00 | $17163.56 |  | 7.295% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $21339.79 | 1 | $8491.56 | $12334.08 |  |  |  |  |  | 28.933% | 24.211% | 28.933% | 07/14/2022 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12790.00 |  | 5.200% | $90000.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  | 240 |  | $535759.40 | 41.000% | No |  |  |  |  | Yes |
| 122143404 |  |  |  | Exempt from ATR |  | Yes | No | $11924.00 | $15711.97 |  | 8.399% |  |  |  | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9208.28 | 1 | $4110.84 | $1697.04 |  |  |  |  |  | 37.037% | 37.037% | 37.037% | 06/14/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11924.00 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $73720.25 | 11.000% | No | 12 |  |  |  | Yes |
| 122464199 |  |  |  | Exempt from ATR |  | Yes | No | $12037.50 | $15413.96 |  | 8.824% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4330.36 | 1 | $5127.36 | $1674.96 |  |  |  |  |  | 49.303% | 49.303% | 49.303% | 08/03/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12037.50 |  | 5.620% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $28456.04 |  | No | 12 |  |  |  | Yes |
| 122339742 |  |  |  | Exempt from ATR |  | Yes | No | $2790.00 | $4461.81 |  | 8.814% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6735.52 | 1 | $538.92 | $554.04 |  |  |  |  |  | 23.396% | 23.396% | 23.396% | 08/23/2022 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2790.00 |  | 5.620% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 2 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $53809.24 | 43.000% | No |  |  |  |  | Yes |
| 122014141 |  |  |  | Exempt from ATR |  | Yes | No | $11775.00 | $15390.19 |  | 9.157% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6414.84 | 1 | $6435.36 | $1860.00 |  |  |  |  |  | 42.979% | 42.979% | 42.979% | 08/29/2022 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11775.00 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $76612.02 | 12.000% | No |  |  |  |  | Yes |
| 122371097 |  |  |  | Exempt from ATR |  | Yes | No | $10687.50 | $13829.06 |  | 8.069% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5501.62 | 1 | $3473.04 | $1112.04 |  |  |  |  |  | 41.656% | 41.656% | 41.656% | 08/16/2022 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10687.50 |  | 5.620% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 2 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $185447.77 | 34.000% | No |  |  |  |  | Yes |
| 122885552 |  |  |  | Exempt from ATR |  | Yes | No | $12375.00 | $16503.19 |  | 8.837% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $7152.47 | 1 | $3642.00 | $987.96 |  |  |  |  |  | 38.934% | 38.934% | 38.934% | 08/16/2022 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12375.00 |  | 5.370% | $500.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $112564.81 | 25.000% | No |  |  |  |  | Yes |
| 122766237 |  |  |  | Exempt from ATR |  | Yes | No | $8928.13 | $11976.72 |  | 8.051% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5101.22 | 1 | $3382.44 | $1152.00 |  |  |  |  |  | 40.412% | 40.412% | 40.412% | 07/07/2022 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8928.13 |  | 5.060% | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $169833.88 | 34.000% | No |  |  |  |  | Yes |
| 122153146 |  |  |  | Exempt from ATR |  | Yes | No | $11060.00 | $13674.65 |  | 8.777% |  |  |  | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $4514.72 | 1 | $1938.24 | $890.76 |  |  |  |  |  | 42.119% | 42.119% | 42.119% | 07/13/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11060.00 |  | 5.620% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $82304.97 | 19.000% | No | 12 |  |  |  | Yes |
| 122563700 |  |  |  | Exempt from ATR |  | Yes | No | $4950.00 | $6973.28 |  | 8.419% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4328.99 | 2 | $437.52 | $1131.96 |  |  |  |  |  | 36.803% | 36.803% | 36.803% | 07/04/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4950.00 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $100085.04 | 33.000% | No |  |  |  |  | Yes |
| 122726308 |  |  |  | Exempt from ATR |  | Yes | No | $10725.00 | $12635.00 |  | 7.918% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11693.96 | 1 | $4877.88 | $2450.04 |  |  |  |  |  | 41.394% | 41.394% | 41.394% | 08/29/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10725.00 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $4549.38 |  | No |  |  |  |  | Yes |
| 122269579 |  |  |  | Exempt from ATR |  | Yes | No | $6970.50 | $9372.08 |  | 7.954% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4718.91 | 1 | $4806.00 | $1214.04 |  |  |  |  |  | 35.791% | 35.791% | 35.791% | 06/24/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6970.50 |  | 5.730% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 2 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $55002.10 |  | No |  |  |  |  | Yes |
| 122477317 |  |  |  | Exempt from ATR |  | Yes | No | $15325.00 | $20006.81 |  | 8.740% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39941.57 | 1 | $12500.64 | $4775.04 |  |  |  |  |  | 36.150% | 36.150% | 36.150% | 07/08/2022 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15325.00 |  | 5.620% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $6799.98 |  | No |  |  |  |  | Yes |
| 122648840 |  |  |  | Exempt from ATR |  | Yes | No | $7638.75 | $9581.25 |  | 8.945% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4857.70 | 1 | $1865.16 | $1680.00 |  |  |  |  |  | 44.398% | 44.398% | 44.398% | 07/05/2022 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7638.75 |  | 5.730% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $123860.42 | 34.000% | No |  |  |  |  | Yes |
| 122073616 |  |  |  | Exempt from ATR |  | Yes | No | $13770.00 | $17154.69 |  | 8.092% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19918.48 | 3 | $11602.80 | $2475.48 |  |  |  |  |  | 25.729% | 25.729% | 25.729% | 06/21/2022 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13770.00 |  | 5.620% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $8600.00 |  | No |  |  |  |  | Yes |
| 122572289 |  |  |  | Exempt from ATR |  | Yes | No | $5050.00 | $6746.25 |  | 8.690% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7641.97 | 1 | $2754.00 | $1531.08 |  |  |  |  |  | 23.817% | 23.817% | 23.817% | 07/08/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5050.00 |  | 5.730% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $42986.08 | 22.000% | No |  |  |  |  | Yes |
| 122726807 |  |  |  | Exempt from ATR |  | Yes | No | $21562.50 | $25706.09 |  | 8.667% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $17664.55 | 2 | $9414.96 | $2211.00 |  |  |  |  |  | 31.266% | 31.266% | 31.266% | 07/07/2022 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21562.50 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $404616.03 | 35.000% | No |  |  |  |  | Yes |
| 122490046 |  |  |  | Exempt from ATR |  | Yes | No | $8365.01 | $10805.28 |  | 8.432% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3475.23 | 1 | $6629.52 | $1442.04 |  |  |  |  |  | 48.182% | 48.182% | 48.182% | 06/18/2022 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8365.01 |  | 5.730% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $157875.75 | 35.000% | No |  |  |  |  | Yes |
| 122737666 |  |  |  | Exempt from ATR |  | Yes | No | $6475.00 | $7926.67 |  | 8.774% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $5574.91 | 1 | $7000.08 | $802.44 |  |  |  |  |  | 41.865% | 41.865% | 41.865% | 08/23/2022 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6475.00 |  | 5.730% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $96646.26 | 28.000% | No |  |  |  |  | Yes |
| 122703165 |  |  |  | Exempt from ATR |  | Yes | No | $7165.00 | $9631.25 |  | 8.578% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $7448.08 | 1 | $2918.16 | $1464.96 |  |  |  |  |  | 34.115% | 34.115% | 34.115% | 08/29/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7165.00 |  | 5.730% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $33116.73 | 6.000% | No | 12 |  |  |  | Yes |
| 122038438 |  |  |  | Exempt from ATR |  | Yes | No | $6979.50 | $1792.03 |  | 8.338% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3409.56 | 1 | $2197.44 | $1265.04 |  |  |  |  |  | 39.704% | 39.704% | 39.704% | 07/21/2022 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6979.50 |  | 5.950% | $14000.00 | 2.2 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $65894.48 | 28.000% | No |  |  |  |  | Yes |
| 122821726 |  |  |  | Exempt from ATR |  | Yes | No | $30810.00 | $21803.72 |  | 7.509% |  |  |  | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17235.35 | 1 | $23362.56 | $2093.40 |  |  |  |  |  | 40.728% | 40.728% | 40.728% | 08/19/2022 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $30810.00 |  | 5.730% | $30075.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $635192.54 | 34.000% | No |  |  |  |  | Yes |
| 122437039 |  |  |  | Exempt from ATR |  | Yes | No | $6122.50 | $6710.47 |  | 8.852% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3903.10 | 1 | $0.00 | $0.00 |  |  |  |  |  | 33.346% | 33.346% | 33.346% | 08/19/2022 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6122.50 |  | 5.620% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $2114.44 |  | No | 12 |  |  |  | Yes |
| 122249384 |  |  |  | Exempt from ATR |  | Yes | No | $6305.00 | $7265.15 |  | 8.817% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3901.58 | 1 | $1915.20 | $798.00 |  |  |  |  |  | 34.974% | 34.974% | 34.974% | 09/06/2022 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6305.00 |  | 5.950% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $22986.85 | 11.000% | No | 12 |  |  |  | Yes |
| 122069658 |  |  |  | Exempt from ATR |  | Yes | No | $10575.00 | $13191.25 |  | 8.708% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10685.06 | 1 | $435.48 | $0.00 |  |  |  |  |  | 42.243% | 42.243% | 42.243% | 06/29/2022 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10575.00 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $130493.03 | 35.000% | No |  |  |  |  | Yes |
| 122203836 |  |  |  | Exempt from ATR |  | Yes | No | $14448.88 | $17464.55 |  | 8.741% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $20649.37 | 1 | $2774.52 | $1095.96 |  |  |  |  |  | 34.075% | 34.075% | 34.075% | 08/25/2022 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14448.88 |  | 5.620% | $23000.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $90640.00 | 10.000% | No |  |  |  |  | Yes |
| 122700788 |  |  |  | Exempt from ATR |  | Yes | No | $7012.50 | $8631.88 |  | 8.057% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14480.39 | 1 | $0.00 | $0.00 |  |  |  |  |  | 18.704% | 18.704% | 18.704% | 06/29/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7012.50 |  | 5.100% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $448695.16 | 92.000% | No |  |  |  |  | Yes |
| 122824965 |  |  |  | Exempt from ATR |  | Yes | No | $13675.00 | $16092.50 |  | 8.629% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5715.55 | 1 | $1777.80 | $1140.00 |  |  |  |  |  | 42.883% | 42.883% | 42.883% | 08/03/2022 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13675.00 |  | 5.730% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $162945.74 | 30.000% | No |  |  |  |  | Yes |
| 122671198 |  |  |  | N/A |  | Yes | No | $11529.75 | $7471.90 |  | 9.358% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2646.24 | 1 | $5345.28 | $387.00 |  |  |  |  |  | 44.094% | 38.942% | 44.094% | 07/27/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11529.75 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 |  | $6549.62 |  | No |  |  |  |  | Yes |
| 122337055 |  |  |  | Exempt from ATR |  | Yes | No | $18585.00 | $20721.25 |  | 6.811% |  |  |  | Yes | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9626.87 | 1 | $16015.56 | $2087.04 |  |  |  |  |  | 42.986% | 61.521% | 42.986% | 09/06/2022 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18585.00 |  | 5.740% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $245386.39 | 26.000% | No | 12 |  |  |  | Yes |
| 122914660 |  |  |  | Exempt from ATR |  | Yes | No | $7117.13 | $9154.18 |  | 8.573% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6416.80 | 1 | $8369.16 | $571.08 |  |  |  |  |  | 48.055% | 48.055% | 48.055% | 08/10/2022 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7117.13 |  | 5.620% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 2 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $191219.84 | 28.000% | No |  |  |  |  | Yes |
| 122972627 |  |  |  | Exempt from ATR |  | Yes | No | $11258.13 | $12890.13 |  | 8.282% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7826.00 | 1 | $12920.16 | $2025.00 |  |  |  |  |  | 38.198% | 38.198% | 38.198% | 08/18/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11258.13 |  | 5.950% | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $281935.44 | 45.000% | No | 12 |  |  |  | Yes |
| 122828070 |  |  |  | Exempt from ATR |  | Yes | No | $10650.00 | $11777.98 |  | 9.245% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4927.94 | 1 | $6830.64 | $1442.04 |  |  |  |  |  | 42.024% | 42.024% | 42.024% | 08/10/2022 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10650.00 |  | 5.950% | $10000.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $78.49 | 0.000% | No | 12 |  |  |  | Yes |
| 122267382 |  |  |  | Exempt from ATR |  | Yes | No | $9609.00 | $11393.67 |  | 8.390% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $6034.09 | 1 | $3843.12 | $1110.00 |  |  |  |  |  | 33.112% | 33.112% | 33.112% | 07/30/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9609.00 |  | 5.950% | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $200676.62 | 44.000% | No |  |  |  |  | Yes |
| 122672058 |  |  |  | Exempt from ATR |  | Yes | No | $4150.00 | $5424.39 |  | 9.371% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5609.10 | 1 | $1802.04 | $1164.96 |  |  |  |  |  | 24.508% | 22.133% | 24.508% | 08/31/2022 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4150.00 |  | 5.950% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 |  | $44398.86 | 31.000% | No |  |  |  |  | Yes |
| 122440409 |  |  |  | Exempt from ATR |  | Yes | No | $6340.00 | $7978.00 |  | 6.799% |  |  |  | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7033.25 | 1 | $3891.84 | $1005.00 |  |  |  |  |  | 36.061% | 50.570% | 36.061% | 08/04/2022 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6340.00 |  | 5.460% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $133112.15 | 28.000% | No | 12 |  |  |  | Yes |
| 122125409 |  |  |  | Exempt from ATR |  | Yes | No | $15557.50 | $21256.97 |  | 8.968% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7650.46 | 3 | $4456.20 | $4975.80 |  |  |  |  |  | 44.455% | 44.455% | 44.455% | 07/20/2022 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15557.50 |  | 5.620% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 2 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $291297.11 |  | No |  |  |  |  | Yes |
| 122155112 |  |  |  | Exempt from ATR |  | Yes | No | $4042.50 | $5350.45 |  | 8.217% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4061.54 | 1 | $939.00 | $366.96 |  |  |  |  |  | 34.800% | 34.800% | 34.800% | 07/11/2022 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4042.50 |  | 5.280% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $235906.01 | 100.000% | No |  |  |  |  | Yes |
| 122343884 |  |  |  | Exempt from ATR |  | Yes | No | $6148.00 | $7619.96 |  | 9.079% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7843.94 | 1 | $12263.04 | $1319.04 |  |  |  |  |  | 38.346% | 38.346% | 38.346% | 08/23/2022 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6148.00 |  | 6.090% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $51355.81 | 10.000% | No | 12 |  |  |  | Yes |
| 122871341 |  |  |  | Exempt from ATR |  | Yes | No | $7575.00 | $9505.00 |  | 8.460% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6792.06 | 1 | $5563.32 | $831.00 |  |  |  |  |  | 40.681% | 40.681% | 40.681% | 08/19/2022 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7575.00 |  | 5.950% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $196007.65 | 33.000% | No | 12 |  |  |  | Yes |
| 122769255 |  |  |  | Exempt from ATR |  | Yes | No | $18135.00 | $19400.00 |  | 8.309% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $7604.15 | 1 | $5260.56 | $1356.96 |  |  |  |  |  | 35.256% | 35.256% | 35.256% | 07/22/2022 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18135.00 |  | 5.950% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $97581.26 | 15.000% | No |  | 34 |  |  | Yes |
| 122211673 |  |  |  | Exempt from ATR |  | Yes | No | $12663.00 | $14481.75 |  | 8.435% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13640.04 | 1 | $11957.52 | $3220.92 |  |  |  |  |  | 31.899% | 31.899% | 31.899% | 09/01/2022 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2015<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2015 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12663.00 |  | 5.950% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $192719.99 | 31.000% | No |  |  |  |  | Yes |
| 122779256 |  |  |  | Exempt from ATR |  | Yes | No | $11243.13 | $17790.12 |  | 8.552% |  |  |  | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $8797.66 | 2 | $8146.32 | $1067.04 |  |  |  |  |  | 44.398% | 44.398% | 44.398% | 08/17/2022 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11243.13 |  | 6.090% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $255651.56 | 25.000% | No | 12 |  |  |  | Yes |
| 122820594 |  |  |  | Exempt from ATR |  | Yes | No | $12232.50 | $17428.49 |  | 8.363% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10057.26 | 1 | $8769.96 | $1925.04 |  |  |  |  |  | 42.688% | 42.688% | 42.688% | 07/18/2022 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12232.50 |  | 6.090% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $261163.09 | 30.000% | No |  |  |  |  | Yes |
| 122032864 |  |  |  | Exempt from ATR |  | Yes | No | $6718.75 | $9438.25 |  | 6.633% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5715.66 | 1 | $0.00 | $0.00 |  |  |  |  |  | 42.282% | 52.935% | 42.282% | 08/22/2022 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6718.75 |  | 5.420% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $129248.03 | 34.000% | No |  |  |  |  | Yes |
| 122614329 |  |  |  | Exempt from ATR |  | Yes | No | $21975.00 | $22848.13 |  | 8.642% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7935.27 | 1 | $7335.00 | $942.96 |  |  |  |  |  | 44.638% | 44.638% | 44.638% | 08/02/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21975.00 |  | 6.090% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $107736.97 | 11.000% | No | 12 |  |  |  | Yes |
| 122843185 |  |  |  | Exempt from ATR |  | Yes | No | $9575.00 | $12878.80 |  | 9.144% |  |  |  | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $5381.86 | 1 | $5208.72 | $1244.52 |  |  |  |  |  | 46.589% | 46.589% | 46.589% | 08/29/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9575.00 |  | 6.380% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $15057.09 |  | No | 12 | 12 |  |  | Yes |
| 122462745 |  |  |  | Exempt from ATR |  | Yes | No | $14695.00 | $18735.83 |  | 8.684% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6299.82 | 1 | $10890.84 | $1163.04 |  |  |  |  |  | 43.027% | 43.027% | 43.027% | 08/25/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14695.00 |  | 6.090% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $85508.74 | 17.000% | No |  |  |  |  | Yes |
| 122015791 |  |  |  | Exempt from ATR |  | Yes | No | $23231.25 | $11467.56 |  | 8.712% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11273.71 | 3 | $2953.80 | $4106.04 |  |  |  |  |  | 38.047% | 38.047% | 38.047% | 09/21/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $23231.25 |  | 6.090% | $60000.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 2 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $65768.71 | 6.000% | No | 12 |  |  |  | Yes |
| 122297318 |  |  |  | Exempt from ATR |  | Yes | No | $28628.25 | $37792.83 |  | 6.776% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $153585.78 | 1 | $3673.56 | $2581.80 |  |  |  |  |  | 9.842% | 14.461% | 10.910% | 09/09/2022 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $28628.25 |  | 6.120% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 |  | $313.82 |  | No |  |  |  |  | Yes |
| 122751367 |  |  |  | Exempt from ATR |  | Yes | No | $9862.50 | $12628.60 |  | 8.347% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6486.33 | 1 | $2501.88 | $767.04 |  |  |  |  |  | 31.723% | 31.723% | 31.723% | 07/18/2022 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9862.50 |  | 5.730% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $103266.86 | 30.000% | No | 12 |  |  |  | Yes |
| 122945711 |  |  |  | Exempt from ATR |  | Yes | No | $12075.00 | $16703.75 |  | 9.384% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10981.24 | 2 | $8026.20 | $3931.32 |  |  |  |  |  | 40.499% | 40.499% | 40.499% | 09/02/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12075.00 |  | 5.950% | $0.00 |  |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $9216.83 |  | No |  |  |  |  | Yes |
| 122998968 |  |  |  | Exempt from ATR |  | Yes | No | $11040.00 | $17471.39 |  | 9.062% |  |  |  | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $11663.93 | 1 | $1736.52 | $3536.64 |  |  |  |  |  | 40.566% | 40.566% | 40.566% | 07/22/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11040.00 |  | 6.090% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $255169.18 | 27.000% | No | 12 |  |  |  | Yes |
| 122373908 |  |  |  | Exempt from ATR |  | Yes | No | $10900.00 | $13941.25 |  | 8.023% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8543.76 | 1 | $0.00 | $0.00 |  |  |  |  |  | 31.336% | 31.336% | 31.336% | 07/11/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10900.00 |  | 6.090% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $278650.00 | 69.000% | No |  |  |  |  | Yes |
| 122104809 |  |  |  | Exempt from ATR |  | Yes | No | $12705.00 | $16198.67 |  | 8.919% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $4574.56 | 1 | $9228.00 | $1440.00 |  |  |  |  |  | 47.515% | 47.515% | 47.515% | 08/17/2022 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12705.00 |  | 5.200% | $15000.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $122382.61 | 26.000% | No |  |  |  |  | Yes |
| 122061307 |  |  |  | Exempt from ATR |  | Yes | No | $23094.00 | $28695.31 |  | 8.915% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13817.47 | 1 | $6651.84 | $1928.04 |  |  |  |  |  | 42.566% | 42.566% | 42.566% | 09/15/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $23094.00 |  | 5.620% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $286925.00 | 35.000% | No |  |  |  |  | Yes |
| 122400646 |  |  |  | Exempt from ATR |  | Yes | No | $9375.00 | $14055.83 |  | 9.611% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $17978.09 | 1 | $4798.68 | $2168.04 |  |  |  |  |  | 24.628% | 24.628% | 24.628% | 07/27/2022 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022<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 - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9375.00 |  | 6.090% | $0.00 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $164806.56 | 25.000% | No |  |  |  |  | Yes |
| 122203644 |  |  |  | Exempt from ATR |  | Yes | No | $8329.00 | $11204.75 |  | 9.707% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9486.72 | 1 | $4743.24 | $684.96 |  |  |  |  |  | 45.176% | 45.176% | 45.176% | 08/16/2022 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8329.00 |  | 6.090% | $0.00 |  |  |  |  | Yes | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $28668.65 | 9.000% | No |  |  |  |  | Yes |
| 122093712 |  |  |  | Exempt from ATR |  | Yes | No | $9865.00 | $12288.28 |  | 8.807% |  |  |  | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $2684.21 | 1 | $2334.36 | $1367.04 |  |  |  |  |  | 49.671% | 49.671% | 49.671% | 08/26/2022 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9865.00 |  | 6.380% | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $47001.02 | 15.000% | No | 12 |  |  |  | Yes |
| 122633024 |  |  |  | Exempt from ATR |  | Yes | No | $6353.88 | $8795.35 |  | 9.020% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4084.50 | 2 | $5757.00 | $1902.00 |  |  |  |  |  | 37.372% | 37.372% | 37.372% | 09/23/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6353.88 |  | 6.790% | $8310.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $96231.36 | 34.000% | No |  |  |  |  | Yes |
| 122529607 |  |  |  | Exempt from ATR |  | Yes | No | $8690.00 | $13076.29 |  | 9.074% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7625.24 | 1 | $7608.00 | $1436.04 |  |  |  |  |  | 41.344% | 41.344% | 41.344% | 08/15/2022 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8690.00 |  | 6.380% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $147409.02 | 21.000% | No | 12 |  |  |  | Yes |
| 122977576 |  |  |  | Exempt from ATR |  | Yes | No | $11575.00 | $15435.00 |  | 9.282% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8797.77 | 1 | $14379.48 | $2057.04 |  |  |  |  |  | 42.814% | 42.814% | 42.814% | 09/22/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11575.00 |  | 6.380% | $0.00 |  |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $164641.68 | 25.000% | No | 12 |  |  |  | Yes |
| 122156400 |  |  |  | Exempt from ATR |  | Yes | No | $24712.50 | $31408.56 |  | 8.805% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16603.44 | 1 | $10555.80 | $3024.96 |  |  |  |  |  | 37.555% | 37.555% | 37.555% | 09/20/2022 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $24712.50 |  | 6.090% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $311068.83 | 24.000% | No |  |  |  |  | Yes |
| 122947494 |  |  |  | Exempt from ATR |  | Yes | No | $5927.50 | $8044.43 |  | 8.784% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6774.41 | 1 | $2765.16 | $947.04 |  |  |  |  |  | 24.956% | 24.956% | 24.956% | 08/23/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5927.50 |  | 6.380% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $89435.00 | 34.000% | No |  |  |  |  | Yes |
| 122720563 |  |  |  | Exempt from ATR |  | Yes | No | $5755.75 | $7761.23 |  | 8.908% |  |  |  | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4232.74 | 1 | $0.00 | $0.00 |  |  |  |  |  | 35.130% | 35.130% | 35.130% | 08/01/2022 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5755.75 |  | 6.090% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $102493.94 | 38.000% | No | 12 |  |  |  | Yes |
| 122134437 |  |  |  | Exempt from ATR |  | Yes | No | $14936.63 | $19029.77 |  | 10.202% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13050.91 | 1 | $14846.40 | $1130.04 |  |  |  |  |  | 43.310% | 43.310% | 43.310% | 09/22/2022 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14936.63 |  | 6.790% | $91000.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $88265.00 | 12.000% | No |  |  |  |  | Yes |
| 122858379 |  |  |  | Exempt from ATR |  | Yes | No | $11316.60 | $14087.15 |  | 9.270% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4426.85 | 1 | $4524.36 | $1014.00 |  |  |  |  |  | 49.915% | 49.915% | 49.915% | 07/28/2022 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11316.60 |  | 6.790% | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $85699.88 | 19.000% | No |  |  |  |  | Yes |
| 122310114 |  |  |  | Exempt from ATR |  | Yes | No | $12575.00 | $16479.60 |  | 8.226% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16405.50 | 1 | $2236.32 | $2581.80 |  |  |  |  |  | 36.806% | 36.806% | 36.806% | 09/23/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12575.00 |  | 6.090% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $625611.97 | 63.000% | No |  |  |  |  | Yes |
| 122305414 |  |  |  | Exempt from ATR |  | Yes | No | $8740.00 | $11666.50 |  | 9.212% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $114961.47 | 1 | $6833.64 | $5480.04 |  |  |  |  |  | 6.639% | 6.639% | 7.222% | 09/15/2022 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8740.00 |  | 6.380% | $12700.00 |  |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 |  | $174760.69 | 27.000% | No |  |  |  |  | Yes |
| 122520614 |  |  |  | Exempt from ATR |  | Yes | No | $14423.13 | $17506.61 |  | 9.021% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20065.58 | 1 | $0.00 | $0.00 |  |  |  |  |  | 23.966% | 23.966% | 23.966% | 09/26/2022 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14423.13 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $371892.25 | 54.000% | No |  |  |  |  | Yes |
| 122855996 |  |  |  | Exempt from ATR |  | Yes | No | $9721.88 | $11617.32 |  | 9.409% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5758.61 | 1 | $1695.36 | $3101.04 |  |  |  |  |  | 37.846% | 37.846% | 37.846% | 09/14/2022 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9721.88 |  | 6.790% | $0.00 |  |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $128116.66 | 32.000% | No |  |  |  |  | Yes |
| 122026017 |  |  |  | Exempt from ATR |  | Yes | No | $3364.50 | $4904.75 |  | 8.879% |  |  |  | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $3049.21 | 1 | $0.00 | $0.00 |  |  |  |  |  | 36.986% | 36.986% | 36.986% | 08/01/2022 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3364.50 |  | 6.790% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $84142.52 | 51.000% | No | 12 |  |  |  | Yes |
| 122619373 |  |  |  | Exempt from ATR |  | Yes | No | $15942.50 | $19394.58 |  | 9.123% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9156.69 | 2 | $5390.04 | $1794.96 |  |  |  |  |  | 35.808% | 35.808% | 35.808% | 09/14/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15942.50 |  | 6.380% | $10000.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $177574.66 | 25.000% | No |  |  |  |  | Yes |
| 122691551 |  |  |  | Exempt from ATR |  | Yes | No | $20196.00 | $23862.94 |  | 9.533% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $7882.71 | 1 | $3286.56 | $1098.00 |  |  |  |  |  | 43.908% | 43.908% | 43.908% | 09/20/2022 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20196.00 |  | 6.790% | $20000.00 |  |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $182519.80 | 24.000% | No |  |  |  |  | Yes |
| 122717053 |  |  |  | Exempt from ATR |  | Yes | No | $6405.00 | $8133.68 |  | 10.239% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7668.74 | 1 | $1101.36 | $1137.00 |  |  |  |  |  | 25.544% | 25.544% | 25.544% | 10/04/2022 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6405.00 |  | 6.740% | $3000.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $256029.73 | 74.000% | No | 12 |  |  |  | Yes |
| 122816087 |  |  |  | Exempt from ATR |  | Yes | No | $15325.00 | $17248.33 |  | 8.991% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18699.29 | 1 | $5244.12 | $2418.96 |  |  |  |  |  | 19.493% | 19.493% | 19.493% | 09/09/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15325.00 |  | 6.740% | $0.00 | 5 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $226.64 |  | No |  |  |  |  | Yes |
| 122785700 |  |  |  | Exempt from ATR |  | Yes | No | $15629.63 | $17614.00 |  | 9.162% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6650.56 | 2 | $7313.28 | $1848.00 |  |  |  |  |  | 46.531% | 46.531% | 46.531% | 08/12/2022 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15629.63 |  | 6.790% | $25200.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $0.00 | 0.000% | No |  |  |  |  | Yes |
| 122671819 |  |  |  | N/A |  | Yes | No | $40127.50 | $22086.82 |  | 9.439% |  |  |  | No | No | Not Employed |  | Self-Employed |  | 18.59 |  |  |  | US Citizen |  |  |  |  |  | $15845.33 | 1 | $8382.00 | $3453.96 |  |  |  |  |  | 40.137% | 40.137% | 40.137% | 08/02/2022 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $40127.50 |  | 5.060% | $0.00 |  |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | Yes |
| 122155800 |  |  |  | Exempt from ATR |  | Yes | No | $13455.00 | $15967.50 |  | 9.945% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $7828.71 | 1 | $4570.80 | $918.96 |  |  |  |  |  | 33.896% | 33.896% | 33.896% | 09/28/2022 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13455.00 |  | 6.740% | $0.00 |  |  |  |  | N/A | No | 9.500% | 0 | 0 | 2 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $150659.11 | 30.000% | No |  |  |  |  | Yes |
| 122301937 |  |  |  | Exempt from ATR |  | Yes | No | $6337.50 | $9055.90 |  | 7.306% |  |  |  | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6512.94 | 1 | $0.00 | $0.00 |  |  |  |  |  | 28.711% | 38.530% | 28.711% | 10/17/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6337.50 |  | 6.120% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $245489.20 | 58.000% | No |  | 12 |  |  | Yes |
| 122558439 |  |  |  | Exempt from ATR |  | Yes | No | $7070.00 | $8698.82 |  | 9.003% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4673.92 | 1 | $4390.32 | $762.96 |  |  |  |  |  | 37.681% | 37.681% | 37.681% | 08/19/2022 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7070.00 |  | 6.740% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $35003.39 | 11.000% | No | 12 |  |  |  | Yes |
| 122716734 |  |  |  | Exempt from ATR |  | Yes | No | $8294.00 | $10101.67 |  | 10.595% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5371.40 | 1 | $2094.00 | $650.04 |  |  |  |  |  | 36.994% | 36.994% | 36.994% | 09/16/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8294.00 |  | 6.740% | $0.00 |  |  |  |  | N/A | No | 10.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $72511.31 | 28.000% | No |  |  |  |  | Yes |
| 122235626 |  |  |  | Exempt from ATR |  | Yes | No | $13018.00 | $15218.89 |  | 10.336% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7717.39 | 1 | $11678.64 | $1268.04 |  |  |  |  |  | 47.358% | 47.358% | 47.358% | 09/07/2022 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13018.00 |  | 6.380% | $0.00 |  |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $155710.74 | 33.000% | No |  |  |  |  | Yes |
| 122870631 |  |  |  | Exempt from ATR |  | Yes | No | $8240.00 | $10377.08 |  | 9.579% |  |  |  | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $9014.41 | 1 | $2777.64 | $981.00 |  |  |  |  |  | 43.660% | 43.660% | 43.660% | 09/26/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8240.00 |  | 6.380% | $0.00 |  |  |  |  | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $194885.62 | 29.000% | No | 12 | 12 |  |  | Yes |
| 122569952 |  |  |  | Exempt from ATR |  | Yes | No | $8625.01 | $10417.47 |  | 8.933% |  |  |  | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8316.39 | 1 | $0.00 | $0.00 |  |  |  |  |  | 40.314% | 40.314% | 40.314% | 09/19/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8625.01 |  | 5.200% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $146609.13 | 31.000% | No | 12 |  |  |  | Yes |
| 122660405 |  |  |  | Exempt from ATR |  | Yes | No | $17685.00 | $19830.19 |  | 8.545% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4890.70 | 1 | $4212.24 | $1211.04 |  |  |  |  |  | 48.605% | 48.605% | 48.605% | 08/17/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17685.00 |  | 6.740% | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $242465.80 | 36.000% | No |  |  |  |  | Yes |
| 122830399 |  |  |  | Exempt from ATR |  | Yes | No | $14540.00 | $16670.83 |  | 7.249% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21564.45 | 1 | $7228.80 | $2496.00 |  |  |  |  |  | 23.110% | 28.002% | 23.110% | 08/08/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14540.00 |  | 6.560% | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 |  | $1194797.00 | 65.000% | No |  |  |  |  | Yes |
| 122087561 |  |  |  | Exempt from ATR |  | Yes | No | $17653.50 | $19584.57 |  | 8.415% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8451.55 | 1 | $3691.44 | $1791.00 |  |  |  |  |  | 32.638% | 32.638% | 32.638% | 09/12/2022 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $17653.50 |  | 6.740% | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  |  | $276159.54 | 37.000% | No |  |  |  |  | Yes |
| 122313203 |  |  |  | Non QM |  | Yes | No | $4349.00 | $5378.51 |  | 7.921% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4306.35 | 1 | $5274.12 | $1815.36 |  |  |  |  |  | 37.752% | 37.752% | 37.752% | 07/14/2022 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4349.00 |  | 5.370% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 2 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | Yes |
| 122030765 |  |  |  | Non QM |  | Yes | No | $3177.50 | $6665.90 |  | 8.642% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8272.85 | 1 | $10509.24 | $1001.04 |  |  |  |  |  | 39.050% | 39.050% | 39.050% | 08/09/2022 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-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 - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3177.50 |  | 5.730% | $1000.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | Yes |
| 122780879 |  |  |  | Non QM |  | Yes | No | $3656.25 | $3800.09 |  | 10.074% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4002.62 | 1 | $5240.40 | $1869.96 |  |  |  |  |  | 46.372% | 46.372% | 46.372% | 08/17/2022 | 635 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3656.25 |  | 5.280% | $0.00 | 1.1 |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $0.00 |  | No | 12 |  |  |  | Yes |
| 122166315 |  |  |  | Non QM |  | Yes | No | $7779.20 | $3518.54 |  | 9.496% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7186.39 | 1 | $4562.52 | $769.20 |  |  |  |  |  | 35.484% | 35.484% | 35.484% | 10/03/2022 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2005 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7779.20 |  | 6.790% | $45720.00 | 1 |  |  |  | No | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $5000.00 | 1.000% | No |  |  |  |  | Yes |
| 122154328 |  |  |  | Non QM |  | Yes | No | $22316.75 | $23658.51 |  | 9.595% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $71414.64 | 1 | $3815.04 | $6891.00 |  |  |  |  |  | 11.839% | 11.839% | 11.839% | 10/11/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22316.75 |  | 6.740% | $20000.00 | 1.8 |  |  |  | No | No | 9.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $71033.43 | 8.000% | No |  |  |  |  | Yes |
| 122388173 |  |  |  | Non QM |  | Yes | No | $9549.26 | $5735.14 |  | 9.141% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5173.90 | 1 | $9678.72 | $2687.04 |  |  |  |  |  | 49.807% | 49.807% | 49.807% | 08/04/2022 | 624 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9549.26 |  | 5.950% | $0.00 | 1 |  |  |  | N/A | No | 9.000% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $0.00 |  | No | 14 |  |  |  | Yes |
| 122816643 |  |  |  | Non QM |  | Yes | No | $4375.00 | $5725.18 |  | 9.200% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4820.41 | 1 | $5324.40 | $2697.00 |  |  |  |  |  | 48.284% | 48.284% | 48.284% | 08/05/2022 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 |  | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $4375.00 |  | 5.060% | $0.00 | 1 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $2215.28 |  | No |  |  |  |  | Yes |
| 122452159 |  |  |  | Non QM |  | Yes | No | $2995.00 | $3686.97 |  | 9.166% |  |  |  | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $1753.64 | 1 | $1164.36 | $1725.96 |  |  |  |  |  | 41.621% | 41.621% | 41.621% | 08/23/2022 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2995.00 |  | 5.620% | $0.00 | 1.4 |  |  |  | N/A | No | 8.750% | 0 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $0.00 |  | No | 12 |  |  |  | Yes |
| 122959748 |  |  |  | Non QM |  | Yes | No | $6545.00 | $9314.37 |  | 9.658% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $4576.42 | 1 | $3331.56 | $1036.68 |  |  |  |  |  | 36.701% | 36.701% | 36.701% | 10/10/2022 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6545.00 |  | 7.000% | $0.00 | 1 |  |  |  | No | No | 9.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $65698.42 | 24.000% | No |  |  |  |  | Yes |
| 122802200 |  |  |  | Non QM |  | Yes | No | $10505.00 | $5355.58 |  | 9.058% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6411.61 | 1 | $1572.24 | $1200.00 |  |  |  |  |  | 43.802% | 43.802% | 43.802% | 09/30/2022 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10505.00 |  | 6.790% | $74300.00 | 2.4 |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $13345.76 | 3.000% | No |  |  |  |  | Yes |
| 122581091 |  |  |  | Non QM |  | Yes | No | $5210.00 | $7459.34 |  | 9.109% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22461.67 | 1 | $6932.40 | $4305.96 |  |  |  |  |  | 31.486% | 31.486% | 31.486% | 09/30/2022 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $5210.00 |  | 6.740% | $0.00 | 1.3 |  |  |  | Yes | No | 9.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $210288.32 | 29.000% | No |  |  |  |  | Yes |
| 122643307 |  |  |  | Non QM |  | Yes | No | $2185.90 | $2630.99 |  | 8.068% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25956.61 | 1 | $3116.88 | $2733.00 |  |  |  |  |  | 39.636% | 39.636% | 39.636% | 10/07/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2185.90 |  | 5.370% | $0.00 | 3.5 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $401376.82 |  | No |  |  |  |  | Yes |
| 122436917 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $12295.00 | $16895.50 |  | 7.819% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16811.81 | 1 | $14000.04 | $1048.92 |  |  |  |  |  | 29.395% | 29.395% | 29.395% | 08/18/2022 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 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]; Other - 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]; Other - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12295.00 |  | 6.740% | $0.00 | 2 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $447602.69 | 40.000% | No |  |  |  |  | Yes |
| 122049069 |  |  |  | Non QM |  | Yes | No | $13870.00 | $17856.69 |  | 9.221% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16629.89 | 1 | $10840.44 | $1569.96 |  |  |  |  |  | 23.083% | 23.083% | 23.083% | 09/22/2022 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 5.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13870.00 |  | 6.790% | $11000.00 | 1 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $35250.40 | 6.000% | No |  |  |  |  | Yes |
| 122437956 |  |  |  | Non QM |  | Yes | No | $22713.40 | $27305.90 |  | 9.947% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8536.50 | 1 | $3706.92 | $2818.92 |  |  |  |  |  | 47.956% | 47.956% | 47.956% | 09/21/2022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 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 - Business - 2022<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 - 2022<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]; Other - 2022<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]; Other - 2022<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]; Third Party Verification - 2022<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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22713.40 |  | 6.790% | $0.00 | 2.6 |  |  |  | Yes | No | 9.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $65243.24 | 9.000% | No |  |  |  |  | Yes |
| 122472626 |  |  |  | Non QM |  | Yes | No | $12546.00 | $14532.37 |  | 8.065% |  |  |  | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18755.10 | 1 | $12815.64 | $5010.00 |  |  |  |  |  | 28.192% | 28.192% | 28.192% | 08/16/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12546.00 |  | 5.280% | $0.00 | 2.2 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $940266.65 |  | No |  |  |  |  | Yes |
| 122762903 |  |  |  | Non QM |  | Yes | No | $8617.77 | $11160.65 |  | 8.484% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11519.63 | 1 | $8857.20 | $1205.04 |  |  |  |  |  | 20.554% | 20.554% | 20.554% | 11/01/2022 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8617.77 |  | 7.030% | $2500.00 | 1.1 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $196330.14 | 41.000% | No |  |  |  |  | Yes |
| 122340713 |  |  |  | Non QM |  | Yes | No | $7329.92 | $8256.18 |  | 8.417% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10662.63 | 1 | $1335.36 | $670.08 |  |  |  |  |  | 15.793% | 15.793% | 15.793% | 10/06/2022 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7329.92 |  | 5.580% | $0.00 | 1.8 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $24031.64 |  | No |  |  |  |  | Yes |
| 122388372 |  |  |  | Non QM |  | Yes | No | $9254.68 | $4245.50 |  | 9.281% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $46920.91 | 1 | $4572.36 | $1881.36 |  |  |  |  |  | 5.204% | 5.204% | 5.204% | 09/24/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Other - 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]; Other - 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]; Other - 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]; Other - 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; Third Party Verification - 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]; Other - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9254.68 |  | 7.000% | $12500.00 | 1 |  |  |  | No | No | 9.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $2900.00 | 1.000% | No |  |  |  |  | Yes |
| 122988462 |  |  |  | Non QM |  | Yes | No | $11221.72 | $14986.96 |  | 9.013% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17382.10 | 1 | $7884.96 | $5582.04 |  |  |  |  |  | 26.335% | 26.335% | 26.335% | 10/11/2022 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11221.72 |  | 6.740% | $25000.00 | 3 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $103137.96 | 15.000% | No |  |  |  |  | Yes |
| 122062457 |  |  |  | Non QM |  | Yes | No | $14459.88 | $20557.48 |  | 7.558% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $37995.30 | 1 | $8828.04 | $1950.00 |  |  |  |  |  | 17.767% | 17.767% | 17.767% | 08/09/2022 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $14459.88 |  | 7.030% | $1839.28 | 4.1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $742645.64 | 65.000% | No |  |  |  |  | Yes |
| 122957149 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $10520.50 | $4184.40 |  | 8.822% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9510.43 | 1 | $5106.00 | $1437.24 |  |  |  |  |  | 29.952% | 29.952% | 29.952% | 10/13/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10520.50 |  | 7.000% | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  |  |  |  | No |  |  |  |  | Yes |
| 122370990 |  |  |  | Non QM |  | Yes | No | $13495.00 | $16646.62 |  | 9.783% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22665.01 | 1 | $4378.44 | $1439.04 |  |  |  |  |  | 24.878% | 24.878% | 24.878% | 10/13/2022 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13495.00 |  | 7.030% | $2500.00 | 2.5 |  |  |  | No | No | 9.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $298641.76 | 37.000% | No |  |  |  |  | Yes |
| 122634560 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3546.36 | $1353.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/21/2022 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  |  | $53625.45 | 38.000% | No |  |  |  |  | Yes |
| 122536442 |  |  |  | Non QM |  | Yes | No | $11545.00 | $12876.23 |  | 11.405% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $100737.55 | 1 | $4513.68 | $986.04 |  |  |  |  |  | 8.168% | 8.168% | 8.168% | 08/31/2022 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $11545.00 |  | 6.790% | $0.00 | 1.6 |  |  |  | No | No | 11.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $189559.09 | 28.000% | No |  |  |  |  | Yes |
| 122093986 |  |  |  | Non QM |  | Yes | No | $2400.00 | $4755.25 |  | 11.601% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23109.94 | 1 | $10786.44 | $2393.04 |  |  |  |  |  | 19.340% | 19.340% | 19.340% | 10/12/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $2400.00 |  | 7.030% | $0.00 | 3.6 |  |  |  | No | No | 11.500% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $200128.16 | 43.000% | No |  |  |  |  | Yes |
| 122470262 |  |  |  | Non QM |  | Yes | No | $21488.24 | $23849.62 |  | 8.364% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $21069.04 | 1 | $2416.08 | $1481.88 |  |  |  |  |  | 27.930% | 27.930% | 27.930% | 09/28/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $21488.24 |  | 7.000% | $0.00 | 1.8 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | No |  |  |  |  | $20000.00 | 3.000% | No |  |  |  |  | Yes |
| 122891276 |  |  |  | Non QM |  | Yes | No | $29715.70 | $32914.73 |  | 9.442% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41078.80 | 1 | $9677.52 | $5276.04 |  |  |  |  |  | 14.295% | 14.295% | 14.295% | 11/04/2022 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $29715.70 |  | 7.000% | $85000.00 | 1 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $10000.00 | 1.000% | No |  |  |  |  | Yes |
| 122044686 |  |  |  | Safe Harbor QM (APOR) |  | Yes | No | $12145.00 | $15313.85 |  | 8.116% |  |  |  | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32443.93 | 1 | $22771.32 | $2703.96 |  |  |  |  |  | 27.539% | 27.539% | 27.539% | 10/20/2022 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 46.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12145.00 |  | 7.030% | $0.00 | 2.3 |  |  |  | No | No | 8.000% | 1 | 2 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | No |  |  |  |  | $341457.92 |  | No | 0 |  |  |  | Yes |
| 122163798 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $34297.00 | $44963.82 |  | 8.903% |  |  |  | No | No | Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $37708.60 | 1 | $44375.04 | $2012.04 |  |  |  |  |  | 42.838% | 42.838% | 42.838% | 11/02/2022 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 68.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $34297.00 |  | 7.030% | $0.00 | 2 |  |  |  | No | No | 8.750% | 0 | 0 | 0 | 0 | 3 | 2 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $876865.91 | 25.000% | No |  |  |  |  | Yes |
| 122004446 |  |  |  | Non QM |  | Yes | No | $7345.00 | $8408.50 |  | 10.409% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11169.63 | 1 | $3849.12 | $2184.96 |  |  |  |  |  | 32.212% | 32.212% | 32.212% | 10/13/2022 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 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]; Other - 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]; Other - 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]; Other - 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]; Telephone Listing / Internet Search / Directory Assistance - 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]; Third Party Verification - 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]; Third Party Verification - 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]; Third Party Verification - 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]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7345.00 |  | 7.030% | $0.00 | 1.7 |  |  |  | Yes | No | 10.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $111263.22 | 43.000% | No |  |  |  |  | Yes |
| 122619251 |  |  |  | Non QM |  | Yes | No | $43825.00 | $47205.52 |  | 9.041% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39834.74 | 1 | $7374.12 | $5437.92 |  |  |  |  |  | 33.637% | 33.637% | 33.637% | 09/19/2022 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $43825.00 |  | 6.380% | $213000.00 | 3.1 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $195000.00 | 10.000% | No |  |  |  |  | Yes |
| 122143046 |  |  |  | Non QM |  | Yes | No | $6847.88 | $8043.18 |  | 12.269% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5710.12 | 1 | $3675.12 | $1299.96 |  |  |  |  |  | 39.894% | 39.894% | 39.894% | 10/03/2022 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6847.88 |  | 6.790% | $14229.00 | 1.5 |  |  |  | No | No | 11.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $18390.90 | 8.000% | No |  |  |  |  | Yes |
| 122155539 |  |  |  | Non QM |  | Yes | No | $8604.20 | $817.31 |  | 8.883% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $4714.03 | 1 | $4374.96 | $1392.96 |  |  |  |  |  | 36.932% | 36.932% | 36.932% | 10/20/2022 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8604.20 |  | 7.000% | $39500.00 | 2.6 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $22459.16 | 6.000% | No |  |  |  |  | Yes |
| 122102219 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | $4062.48 | $2283.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/13/2022 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 10.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  |  | $176861.18 | 54.000% | No |  |  |  |  | Yes |
| 122925961 |  |  |  | Non QM |  | Yes | No | $28251.95 | $23148.97 |  | 9.198% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $20598.47 | 1 | $12548.52 | $1243.20 |  |  |  |  |  | 31.338% | 31.338% | 31.338% | 10/10/2022 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $28251.95 |  | 6.740% | $18819.00 | 1.2 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $25460.98 | 3.000% | No |  |  |  |  | Yes |
| 122282465 |  |  |  | Non QM |  | Yes | No | $22506.62 | $8608.55 |  | 8.795% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11866.69 | 1 | $8637.36 | $898.20 |  |  |  |  |  | 40.667% | 40.667% | 40.667% | 11/09/2022 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Third Party Verification \| # of Bank Statements Required: 24]; Other - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22506.62 |  | 7.030% | $24876.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $302389.69 | 44.000% | No |  |  |  |  | Yes |
| 122348667 |  |  |  | Non QM |  | Yes | No | $7704.43 | $9509.16 |  | 8.870% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17138.18 | 1 | $1599.00 | $1293.36 |  |  |  |  |  | 33.353% | 33.353% | 33.353% | 11/15/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7704.43 |  | 7.000% | $34000.00 | 3.9 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $69528.76 | 24.000% | No |  |  |  |  | Yes |
| 122399466 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1073.64 | $1655.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/27/2022 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 2 |  |  |  | No | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  |  | $108156.67 | 46.000% | No |  |  |  |  | Yes |
| 122189505 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $13495.00 | $21044.48 |  | 8.685% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14085.79 | 1 | $9375.00 | $390.36 |  |  |  |  |  | 29.841% | 29.841% | 29.841% | 10/04/2022 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 22 | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2020<br> [Borrower - \| Non-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 - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Non-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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13495.00 |  | 7.160% | $0.00 | 1 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  | $37500.00 | 5.000% | No |  |  |  |  | Yes |
| 122811445 |  |  |  | Non QM |  | Yes | No | $7613.75 | $9767.28 |  | 8.367% |  |  |  | No | No | Not Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $4202.63 | 1 | $4997.88 | $1213.08 |  |  |  |  |  | 39.243% | 39.243% | 39.243% | 11/22/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Asset Depletion]; Account Statements - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7613.75 |  | 7.170% | $0.00 | 1.6 |  |  |  | No | No | 8.000% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  |  | $460691.38 | 100.000% | No |  |  |  |  | Yes |
| 122478176 |  |  |  | N/A |  | Yes | No | $8340.00 |  |  | 7.437% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8144.73 | 1 | $2180.16 | $3471.00 |  |  |  |  |  | 34.264% | 34.264% | 34.264% | 09/23/2022 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $8340.00 |  | 6.380% | $0.00 | 2.4 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $0.00 |  | No |  |  |  |  | Yes |
| 122263755 |  |  |  | Non QM |  | Yes | No | $10802.50 | $12688.42 |  | 9.405% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9778.16 | 1 | $3174.96 | $3111.00 |  |  |  |  |  | 40.452% | 40.452% | 40.452% | 11/02/2022 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 91.000% | 25.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| 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: 25.00% \| 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: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Disability]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Disability]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Disability]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Disability]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Disability]; Other - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $10802.50 |  | 7.170% | $10000.00 | 3.2 |  |  |  | No | No | 9.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $154554.25 | 21.000% | No |  |  |  |  | Yes |
| 122248782 |  |  |  | Higher Priced QM (APOR) |  | Yes | No | $1859.00 | $3011.33 |  | 8.645% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17812.28 | 1 | $620.28 | $2252.04 |  |  |  |  |  | 15.045% | 15.045% | 15.045% | 08/29/2022 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1859.00 |  | 6.790% | $0.00 | 1.8 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  |  |  |  | No |  |  |  |  | Yes |
| 122422843 |  |  |  | Non QM |  | Yes | No | $9932.50 | $12722.20 |  | 10.498% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12371.57 | 1 | $6893.64 | $2447.16 |  |  |  |  |  | 38.142% | 38.142% | 38.142% | 10/05/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $9932.50 |  | 7.160% | $3500.00 | 1.9 |  |  |  | No | No | 10.125% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $2250.00 | 1.000% | No |  |  |  |  | Yes |
| 122376231 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | $1366.68 | $546.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2022 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 1.2 |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  | 240 |  | $28301.02 |  | No |  |  |  |  | Yes |
| 122320555 |  |  |  | N/A |  | Yes | No | $0.00 |  |  | 7.823% |  |  |  | No | No | Not Employed |  | Self-Employed | Employed | 7.13 | 3.19 |  |  | US Citizen | US Citizen |  |  |  |  | $30138.48 | 1 | $8937.12 | $2541.96 |  |  |  |  |  | 32.690% | 32.690% | 32.690% | 10/18/2022 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2018<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 7.000% | $0.00 | 1.1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $95607.42 | 19.000% | No |  |  |  |  | Yes |
| 122093630 |  |  |  | Non QM |  | Yes | No | $29457.93 | $35047.93 |  | 9.890% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15629.33 | 1 | $4804.80 | $9234.00 |  |  |  |  |  | 34.430% | 34.430% | 34.430% | 11/02/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $29457.93 |  | 7.160% | $0.00 | 1 |  |  |  | Yes | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $261807.98 | 33.000% | No |  |  |  |  | Yes |
| 122648566 |  |  |  | Non QM |  | Yes | No | $7740.75 | $4102.33 |  | 10.539% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10756.20 | 1 | $3163.68 | $1734.96 |  |  |  |  |  | 28.970% | 28.970% | 28.970% | 10/21/2022 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $7740.75 |  | 7.030% | $15000.00 | 1 |  |  |  | N/A | No | 10.375% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $118821.51 | 38.000% | No |  |  |  |  | Yes |
| 122006854 |  |  |  | Non QM |  | Yes | No | $12773.00 | $15645.60 |  | 8.271% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $4504.42 | 1 | $9955.92 | $561.00 |  |  |  |  |  | 49.236% | 49.236% | 49.236% | 12/07/2022 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $12773.00 |  | 7.160% | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $198340.51 | 39.000% | No |  |  |  |  | Yes |
| 122124017 |  |  |  | N/A |  | Yes | No | $0.00 | $0.00 |  | 8.449% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $3902.66 | 1 | $2265.24 | $614.04 |  |  |  |  |  | 49.966% | 49.966% | 49.966% | 09/13/2022 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 7.030% | $5000.00 | 1 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $158437.14 | 36.000% | No |  |  |  |  | Yes |
| 122737330 |  |  |  | Non QM |  | Yes | No | $18920.80 | $22142.14 |  | 10.314% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $18078.21 | 1 | $11725.56 | $930.96 |  |  |  |  |  | 25.787% | 25.787% | 25.787% | 09/29/2022 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | 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: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2015 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18920.80 |  | 7.160% | $6283.75 | 3 |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $19440.57 | 3.000% | No |  |  |  |  | Yes |
| 122443460 |  |  |  | Non QM |  | Yes | No | $27178.44 | $29283.44 |  | 10.354% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7321.33 | 1 | $3899.28 | $3984.00 |  |  |  |  |  | 47.234% | 47.234% | 47.234% | 11/09/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $27178.44 |  | 6.370% | $78000.00 | 1 |  |  |  | No | No | 9.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $69914.05 | 11.000% | No |  |  |  |  | Yes |
| 122093595 |  |  |  | N/A |  | Yes | No |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $5251.80 | $573.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/17/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  |  | $190143.41 | 63.000% | No |  |  |  |  | Yes |
| 122387665 |  |  |  | Non QM |  | Yes | No | $22138.48 | $23571.98 |  | 10.359% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12831.04 | 1 | $8310.48 | $3870.96 |  |  |  |  |  | 29.992% | 29.992% | 29.992% | 10/28/2022 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $22138.48 |  | 7.170% | $40000.00 | 1 |  |  |  | Yes | No | 9.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $10000.00 | 2.000% | No |  |  |  |  | Yes |
| 122072500 |  |  |  | Non QM |  | Yes | No | $15216.00 | $16398.84 |  | 8.677% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5129.84 | 1 | $1001.40 | $1209.00 |  |  |  |  |  | 34.140% | 34.140% | 34.140% | 11/01/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $15216.00 |  | 7.000% | $0.00 | 1.4 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $121406.44 | 30.000% | No |  |  |  |  | Yes |
| 122833057 |  |  |  | Non QM |  | Yes | No | $1720.00 | $4267.34 |  | 7.045% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $6833.24 | 1 | $11251.20 | $2181.96 |  |  |  |  |  | 39.888% | 39.888% | 39.888% | 07/19/2022 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $1720.00 |  | 5.620% | $7260.32 | 3.7 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $206678.36 | 33.000% | No |  |  |  |  |  |
| 122554834 |  |  |  | Non QM |  | Yes | No | $17807.00 | $19351.37 |  | 7.576% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26135.74 | 1 | $12514.80 | $3353.04 |  |  |  |  |  | 26.869% | 26.869% | 26.869% | 08/22/2022 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: CPA Letter \| # 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: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $17807.00 |  | 6.380% | $0.00 | 3.3 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $10000.00 | 1.000% | No |  |  |  |  |  |
| 122113849 |  |  |  | Non QM |  | Yes | No | $8559.96 | $12050.91 |  | 7.472% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12239.47 | 1 | $6755.52 | $1734.36 |  |  |  |  |  | 35.343% | 35.343% | 35.343% | 09/20/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $8559.96 |  | 5.620% | $0.00 | 1.3 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |
| 122307935 |  |  |  | Non QM |  | Yes | No | $7640.60 | $5672.59 |  | 7.560% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24110.58 | 1 | $1495.56 | $942.00 |  |  |  |  |  | 5.870% | 5.870% | 5.870% | 09/06/2022 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 49.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $7640.60 |  | 5.730% | $0.00 | 2.2 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $19684.72 |  | No |  |  |  |  |  |
| 122740595 |  |  |  | Non QM |  | Yes | No | $24678.05 | $16377.61 |  | 8.819% |  |  |  | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $5141.07 | 1 | $8063.64 | $716.04 |  |  |  |  |  | 48.120% | 48.120% | 48.120% | 10/14/2022 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.68000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.68000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.68000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.68000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 19.68000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $24678.05 |  | 5.730% | $0.00 | 1.1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $94880.53 | 15.000% | No |  |  |  |  |  |
| 122690176 |  |  |  | Non QM |  | Yes | No | $7472.50 | $8458.63 |  | 7.002% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20913.85 | 1 | $20472.84 | $1978.92 |  |  |  |  |  | 32.615% | 32.615% | 32.615% | 08/18/2022 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 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 - 2022<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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $7472.50 |  | 6.380% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $314181.98 | 27.000% | No |  |  |  |  |  |
| 122472652 |  |  |  | Non QM |  | Yes | No | $13799.00 | $3428.54 |  | 8.554% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19279.82 | 1 | $2113.68 | $2865.00 |  |  |  |  |  | 19.683% | 19.683% | 19.683% | 08/30/2022 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| 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: 40.00% \| 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: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $13799.00 |  | 6.790% | $27000.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $140351.38 | 24.000% | No |  |  |  |  |  |
| 122062299 |  |  |  | Non QM |  | Yes | No | $5776.30 | $7682.65 |  | 8.679% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9119.77 | 1 | $4771.68 | $2199.96 |  |  |  |  |  | 42.911% | 42.911% | 42.911% | 10/05/2022 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| 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: 90.00% \| 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: 90.00% \| 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: 90.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $5776.30 |  | 6.090% | $0.00 | 4.5 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $52499.55 | 7.000% | No |  |  |  |  |  |
| 122126194 |  |  |  | Non QM |  | Yes | No | $43892.00 | $51210.77 |  | 9.001% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32451.56 | 1 | $6559.92 | $2255.04 |  |  |  |  |  | 24.665% | 24.665% | 24.665% | 08/10/2022 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022<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 - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $43892.00 |  | 7.030% | $0.00 | 3.5 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $195457.77 | 15.000% | No |  |  |  |  |  |
| 122014726 |  |  |  | Non QM |  | Yes | No | $19447.61 | $22723.42 |  | 8.624% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $209563.41 | 1 | $8048.16 | $837.00 |  |  |  |  |  | 2.823% | 2.823% | 2.823% | 09/06/2022 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Expense 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]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $19447.61 |  | 7.000% | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  |  | $499833.09 |  | No |  |  |  |  |  |
| 122249084 |  |  |  | Non QM |  | Yes | No | $27108.84 | $32078.86 |  | 9.629% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $41783.56 | 1 | $6157.32 | $1524.96 |  |  |  |  |  | 17.039% | 17.039% | 17.039% | 09/29/2022 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $27108.84 |  | 7.000% | $0.00 | 1 |  |  |  | No | No | 9.088% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $171655.67 | 24.000% | No |  |  |  |  |  |
| 122577965 |  |  |  | Non QM |  | Yes | No | $24706.00 | $9791.26 |  | 9.164% |  |  |  | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23979.43 | 1 | $8533.56 | $2100.96 |  |  |  |  |  | 27.245% | 27.245% | 27.245% | 10/04/2022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $24706.00 |  | 6.740% | $0.00 | 1 |  |  |  | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | Yes |
| 122126031 |  |  |  | Non QM |  | Yes | No | $12237.51 | $7328.12 |  | 9.744% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26490.78 | 1 | $7213.44 | $2963.04 |  |  |  |  |  | 21.759% | 21.759% | 21.759% | 11/03/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2022<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 - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $12237.51 |  | 7.030% | $0.00 | 1 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $20000.00 | 5.000% | No |  |  |  |  |  |
| 122876766 |  |  |  | Non QM |  | Yes | No | $8572.33 | $12122.90 |  | 9.833% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5884.98 | 1 | $6525.00 | $833.04 |  |  |  |  |  | 42.172% | 42.172% | 42.172% | 08/24/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $8572.33 |  | 7.030% | $0.00 | 1 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $127316.29 | 30.000% | No |  |  |  |  |  |
| 122512830 |  |  |  | Non QM |  | Yes | No | $29557.80 | $22766.62 |  | 9.610% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16440.58 | 1 | $13437.48 | $1577.04 |  |  |  |  |  | 42.694% | 42.694% | 42.694% | 11/08/2022 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $29557.80 |  | 7.030% | $0.00 | 1 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $70987.57 | 7.000% | No |  |  |  |  |  |
| 122328129 |  |  |  | Non QM |  | Yes | No | $32449.44 | $35159.42 |  | 9.276% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21539.48 | 1 | $12648.48 | $1793.04 |  |  |  |  |  | 48.414% | 48.414% | 48.414% | 08/16/2022 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $32449.44 |  | 7.030% | $0.00 | 1.6 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |
| 122759841 |  |  |  | Non QM |  | Yes | No | $25485.33 | $21121.29 |  | 8.871% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26521.63 | 1 | $7653.36 | $1890.48 |  |  |  |  |  | 21.969% | 21.969% | 21.969% | 10/19/2022 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  |  | $25485.33 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $21259.07 |  | No |  |  |  |  |  |
| 122097716 |  |  |  | Non QM |  | Yes | No | $8295.00 | $12734.62 |  | 9.597% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28293.40 | 1 | $1796.40 | $753.00 |  |  |  |  |  | 23.856% | 23.856% | 23.856% | 11/01/2022 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 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]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $8295.00 |  | 7.160% | $0.00 | 1.4 |  |  |  | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $35941.14 |  | No |  |  |  |  |  |
| 122142285 |  |  |  | Non QM |  | Yes | No | $28272.46 | $16306.29 |  | 9.782% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18754.71 | 1 | $11445.00 | $1773.96 |  |  |  |  |  | 49.982% | 49.982% | 49.982% | 09/29/2022 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 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]; Other - 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]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $28272.46 |  | 7.160% | $0.00 | 1.7 |  |  |  | N/A | No | 9.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $25000.00 | 3.000% | No |  |  |  |  |  |
| 122308373 |  |  |  | N/A |  | Yes | No | $13858.35 | $11043.76 |  | 9.104% |  |  |  | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19663.59 | 1 | $3549.96 | $378.96 |  |  |  |  |  | 47.235% | 47.235% | 47.235% | 10/07/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 32.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $13858.35 |  | 7.030% | $0.00 | 3.3 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  |  | $16182.57 | 6.000% | No |  |  |  |  |  |
| 122512031 |  |  |  | Non QM |  | Yes | No | $32642.24 | $37847.16 |  | 8.235% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20956.55 | 1 | $2915.52 | $1848.00 |  |  |  |  |  | 27.884% | 27.884% | 27.884% | 08/09/2022 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $32642.24 |  | 7.160% | $0.00 | 2.2 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $166768.63 | 18.000% | No |  |  |  |  |  |
| 122389880 |  |  |  | Non QM |  | Yes | No | $17691.20 | $24302.71 |  | 8.454% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11022.59 | 1 | $4534.44 | $1769.04 |  |  |  |  |  | 26.800% | 26.800% | 26.800% | 10/17/2022 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $17691.20 |  | 7.160% | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $45038.32 |  | No |  |  |  |  |  |
| 122814033 |  |  |  | Non QM |  | Yes | No | $52235.00 | $69874.85 |  | 8.322% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20958.02 | 1 | $19807.32 | $6600.00 |  |  |  |  |  | 38.327% | 38.327% | 38.327% | 08/22/2022 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 47.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 47.00% \| 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: 47.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $52235.00 |  | 7.170% | $0.00 | 2.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $101694.42 |  | No |  |  |  |  |  |
| 122621805 |  |  |  | Non QM |  | Yes | No | $7294.60 | $8977.45 |  | 8.351% |  |  |  | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5857.16 | 1 | $4077.96 | $753.96 |  |  |  |  |  | 28.775% | 28.775% | 28.775% | 10/17/2022 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; Other - 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]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $7294.60 |  | 7.000% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  |  | $14130.86 |  | No |  |  |  |  |  |

---

## Exhibit 99.12

[GCAT 2023-NQM2 Trust ABS-15G](nqm2-abs15g_012323.htm)

**Exhibit 99.12**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** |
| 122909452 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 32.96 | 41.67187 |
| 122089072 |  |  |  |  | Subject Debt Service Coverage Ratio | 1 | 0.75 |
| 122362665 |  |  |  |  | Subject Debt Service Coverage Ratio | 1 | 1.05 |
| 122166188 |  |  |  |  | Borrower First Name |  |  |
| 122166188 |  |  |  |  | Borrower Last Name |  |  |
| 122166188 |  |  |  |  | Note Date |  |  |
| 122166188 |  |  |  |  | First Payment Date |  |  |
| 122166188 |  |  |  |  | Maturity Date |  |  |
| 122988576 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 31.308 | 34.4187 |
| 122281830 |  |  |  |  | Coborrower SSN |  |  |
| 122281830 |  |  |  |  | Subject Debt Service Coverage Ratio | 88 | 0.88 |
| 122061428 |  |  |  |  | Borrower First Name |  |  |
| 122061428 |  |  |  |  | Borrower Last Name |  |  |
| 122061428 |  |  |  |  | Note Date |  |  |
| 122061428 |  |  |  |  | First Payment Date |  |  |
| 122061428 |  |  |  |  | Maturity Date |  |  |
| 122514743 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM |
| 122437330 |  |  |  |  | Note Date |  |  |
| 122437330 |  |  |  |  | First Payment Date |  |  |
| 122437330 |  |  |  |  | Maturity Date |  |  |
| 122260487 |  |  |  |  | Note Date |  |  |
| 122260487 |  |  |  |  | First Payment Date |  |  |
| 122260487 |  |  |  |  | Maturity Date |  |  |
| 122260487 |  |  |  |  | Property Type | Single Family | 2 Family |
| 122164333 |  |  |  |  | Property Type | PUD | PUD Attached |
| 122920839 |  |  |  |  | Representative FICO | 751 | 806 |
| 122751104 |  |  |  |  | Doc Type | Alt | Full |
| 122996051 |  |  |  |  | Borrower First Name |  |  |
| 122996051 |  |  |  |  | Coborrower First Name |  |  |
| 122996051 |  |  |  |  | Representative FICO | 770 | 765 |
| 122495068 |  |  |  |  | Note Date |  |  |
| 122495068 |  |  |  |  | First Payment Date |  |  |
| 122495068 |  |  |  |  | Maturity Date |  |  |
| 122495068 |  |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | Non QM |
| 122498864 |  |  |  |  | Note Date |  |  |
| 122498864 |  |  |  |  | First Payment Date |  |  |
| 122498864 |  |  |  |  | Maturity Date |  |  |
| 122498864 |  |  |  |  | Original PITIA | 8266.75 | 7667.29 |
| 122266759 |  |  |  |  | Borrower First Name |  |  |
| 122266759 |  |  |  |  | Coborrower First Name |  |  |
| 122266759 |  |  |  |  | Note Date |  |  |
| 122266759 |  |  |  |  | First Payment Date |  |  |
| 122266759 |  |  |  |  | Maturity Date |  |  |
| 122266759 |  |  |  |  | Original PITIA | 8308.67 | 8308 |
| 122518923 |  |  |  |  | Borrower First Name |  |  |
| 122518923 |  |  |  |  | Borrower Last Name |  |  |
| 122518923 |  |  |  |  | Coborrower First Name |  |  |
| 122518923 |  |  |  |  | Coborrower Last Name |  |  |
| 122518923 |  |  |  |  | Original P&I | 2165.62 | 2165.63 |
| 122518923 |  |  |  |  | Property Type | Single Family | 2 Family |
| 122746804 |  |  |  |  | Property Type | Single Family | 2 Family |
| 122137579 |  |  |  |  | First Payment Date |  |  |
| 122137579 |  |  |  |  | Maturity Date |  |  |
| 122067282 |  |  |  |  | Note Date |  |  |
| 122067282 |  |  |  |  | First Payment Date |  |  |
| 122067282 |  |  |  |  | Maturity Date |  |  |
| 122089527 |  |  |  |  | Note Date |  |  |
| 122089527 |  |  |  |  | First Payment Date |  |  |
| 122089527 |  |  |  |  | Maturity Date |  |  |
| 122359882 |  |  |  |  | Note Date |  |  |
| 122359882 |  |  |  |  | First Payment Date |  |  |
| 122359882 |  |  |  |  | Maturity Date |  |  |
| 122665899 |  |  |  |  | Borrower First Name |  |  |
| 122665899 |  |  |  |  | Borrower Last Name |  |  |
| 122665899 |  |  |  |  | Note Date |  |  |
| 122665899 |  |  |  |  | First Payment Date |  |  |
| 122665899 |  |  |  |  | Maturity Date |  |  |
| 122665899 |  |  |  |  | Property Type | Single Family | 3 Family |
| 122731214 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 35.973 | 32.06015 |
| 122326859 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 43.933 | 39.18401 |
| 122038740 |  |  |  |  | Original P&I | 7879.27 | 7113.95 |
| 122038740 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 22.851 | 35.00978 |
| 122231569 |  |  |  |  | Note Date |  |  |
| 122231569 |  |  |  |  | First Payment Date |  |  |
| 122231569 |  |  |  |  | Maturity Date |  |  |
| 122644087 |  |  |  |  | Borrower First Name |  |  |
| 122644087 |  |  |  |  | Borrower Last Name |  |  |
| 122644087 |  |  |  |  | Coborrower First Name |  |  |
| 122644087 |  |  |  |  | Coborrower Last Name |  |  |
| 122644087 |  |  |  |  | Representative FICO | 774 | 735 |
| 122644087 |  |  |  |  | Occupancy | Primary | Investment |
| 122224059 |  |  |  |  | First Payment Date |  |  |
| 122224059 |  |  |  |  | Maturity Date |  |  |
| 122558805 |  |  |  |  | Zip |  |  |
| 122558805 |  |  |  |  | First Payment Date |  |  |
| 122558805 |  |  |  |  | Maturity Date |  |  |
| 122558805 |  |  |  |  | Representative FICO | 780 | 779 |
| 122316439 |  |  |  |  | Property Type | Single Family | 4 Family |
| 122182338 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 42.066 | 39.09092 |
| 122230427 |  |  |  |  | First Payment Date |  |  |
| 122230427 |  |  |  |  | Maturity Date |  |  |
| 122202470 |  |  |  |  | Appraisal Date |  |  |
| 122202470 |  |  |  |  | Origination Company Name |  |  |
| 122050785 |  |  |  |  | Borrower First Name |  |  |
| 122050785 |  |  |  |  | Borrower Last Name |  |  |
| 122050785 |  |  |  |  | Borrower SSN |  |  |
| 122050785 |  |  |  |  | Coborrower First Name |  |  |
| 122050785 |  |  |  |  | Coborrower Last Name |  |  |
| 122050785 |  |  |  |  | Coborrower SSN |  |  |
| 122050785 |  |  |  |  | Appraisal Date |  |  |
| 122050785 |  |  |  |  | Borrower FTHB | 0 |  |
| 122050785 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 42.679 | 40.65235 |
| 122536686 |  |  |  |  | Note Date |  |  |
| 122536686 |  |  |  |  | First Payment Date |  |  |
| 122536686 |  |  |  |  | Maturity Date |  |  |
| 122091816 |  |  |  |  | Note Date |  |  |
| 122091816 |  |  |  |  | First Payment Date |  |  |
| 122091816 |  |  |  |  | Maturity Date |  |  |
| 122091816 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 39.504 | 45.1976 |
| 122138048 |  |  |  |  | Contract Sales Price |  |  |
| 122008856 |  |  |  |  | Note Date |  |  |
| 122008856 |  |  |  |  | First Payment Date |  |  |
| 122008856 |  |  |  |  | Maturity Date |  |  |
| 122008856 |  |  |  |  | Contract Sales Price |  |  |
| 122806050 |  |  |  |  | Note Date |  |  |
| 122806050 |  |  |  |  | First Payment Date |  |  |
| 122806050 |  |  |  |  | Maturity Date |  |  |
| 122806050 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 28.299 | 35.46892 |
| 122570251 |  |  |  |  | Note Date |  |  |
| 122570251 |  |  |  |  | Representative FICO | 749 | 721 |
| 122497719 |  |  |  |  | Lien Position |  | 1 |
| 122207336 |  |  |  |  | Lien Position |  | 1 |
| 122555011 |  |  |  |  | Lien Position |  | 1 |
| 122555011 |  |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | Non QM |
| 122132114 |  |  |  |  | Representative FICO | 795 | 794 |
| 122589029 |  |  |  |  | Representative FICO | 753 | 746 |
| 122171030 |  |  |  |  | Representative FICO | 789 | 783 |
| 122365880 |  |  |  |  | Borrower First Name |  |  |
| 122365880 |  |  |  |  | Borrower Last Name |  |  |
| 122365880 |  |  |  |  | Contract Sales Price |  |  |
| 122800887 |  |  |  |  | Original CLTV | 68.04 | 60.76 |
| 122800887 |  |  |  |  | Original LTV | 68.04 | 60.76 |
| 122800887 |  |  |  |  | LTV Valuation Value |  |  |
| 122800887 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.11 | 0.77 |
| 122410711 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 38.014 | 35.40047 |
| 122466648 |  |  |  |  | Representative FICO | 782 | 770 |
| 122157338 |  |  |  |  | Note Date |  |  |
| 122588159 |  |  |  |  | Zip |  |  |
| 122966407 |  |  |  |  | Property Type | Condo (Low Rise) | PUD |
| 122848444 |  |  |  |  | Borrower First Name |  |  |
| 122848444 |  |  |  |  | Borrower Last Name |  |  |
| 122490310 |  |  |  |  | Maturity Date |  |  |
| 122183389 |  |  |  |  | Maturity Date |  |  |
| 122056455 |  |  |  |  | Maturity Date |  |  |
| 122786322 |  |  |  |  | Note Date |  |  |
| 122786322 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 34.37 | 31.87091 |
| 122155175 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 122952194 |  |  |  |  | Borrower First Name |  |  |
| 122952194 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 122962844 |  |  |  |  | Property Type | Single Family Attached | 3 Family |
| 122387720 |  |  |  |  | Originator Loan Designation | Exempt from ATR | N/A |
| 122884083 |  |  |  |  | Borrower First Name |  |  |
| 122268271 |  |  |  |  | Borrower First Name |  |  |
| 122324725 |  |  |  |  | City |  |  |
| 122324725 |  |  |  |  | Originator Loan Designation | Exempt from ATR | N/A |
| 122460569 |  |  |  |  | Borrower First Name |  |  |
| 122520813 |  |  |  |  | Property Type | Single Family Detached | 3 Family |
| 122751627 |  |  |  |  | Borrower First Name |  |  |
| 122751627 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 13.607 | 22.31253 |
| 122320818 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 38.697 | 36.54797 |
| 122679376 |  |  |  |  | LTV Valuation Value |  |  |
| 122352470 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 122704796 |  |  |  |  | Borrower First Name |  |  |
| 122240369 |  |  |  |  | Borrower First Name |  |  |
| 122305945 |  |  |  |  | Borrower Last Name |  |  |
| 122892002 |  |  |  |  | Property Type | Single Family Detached | 4 Family |
| 122073234 |  |  |  |  | Borrower First Name |  |  |
| 122073234 |  |  |  |  | Representative FICO | 0 |  |
| 122073234 |  |  |  |  | Originator Loan Designation | Exempt from ATR | N/A |
| 122312741 |  |  |  |  | Borrower First Name |  |  |
| 122312741 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 122312741 |  |  |  |  | Originator Loan Designation |  | N/A |
| 122876182 |  |  |  |  | Property Type | Single Family Attached | Single Family Detached |
| 122460568 |  |  |  |  | Borrower First Name |  |  |
| 122547121 |  |  |  |  | Borrower First Name |  |  |
| 122595236 |  |  |  |  | # of Units |  | 1 |
| 122449929 |  |  |  |  | Borrower First Name |  |  |
| 122007801 |  |  |  |  | Borrower First Name |  |  |
| 122007801 |  |  |  |  | Borrower Last Name |  |  |
| 122437957 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 122908899 |  |  |  |  | Borrower First Name |  |  |
| 122452570 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 122812134 |  |  |  |  | Borrower First Name |  |  |
| 122812134 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 27.646 | 32.32957 |
| 122822919 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 122143404 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 32.773 | 37.0374 |
| 122464199 |  |  |  |  | Property Type | Single Family Attached | Townhouse |
| 122371097 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 35.882 | 41.65628 |
| 122563700 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 122269579 |  |  |  |  | Borrower First Name |  |  |
| 122269579 |  |  |  |  | Borrower Last Name |  |  |
| 122269579 |  |  |  |  | Property Type | Single Family Attached | Single Family Detached |
| 122648840 |  |  |  |  | Borrower First Name |  |  |
| 122073616 |  |  |  |  | Borrower Last Name |  |  |
| 122073616 |  |  |  |  | Property Type | Single Family Detached | 3 Family |
| 122726807 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 122490046 |  |  |  |  | Borrower First Name |  |  |
| 122038438 |  |  |  |  | Borrower First Name |  |  |
| 122038438 |  |  |  |  | Property Type | Condo | Townhouse |
| 122437039 |  |  |  |  | Original CLTV | 60 | 55.64 |
| 122437039 |  |  |  |  | LTV Valuation Value |  |  |
| 122671198 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 49.503 | 44.09348 |
| 122267382 |  |  |  |  | LTV Valuation Value |  |  |
| 122267382 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 37.701 | 33.11197 |
| 122125409 |  |  |  |  | City |  |  |
| 122125409 |  |  |  |  | Borrower First Name |  |  |
| 122125409 |  |  |  |  | Property Type | Single Family Attached | 3 Family |
| 122125409 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 47.702 | 44.45534 |
| 122871341 |  |  |  |  | LTV Valuation Value |  |  |
| 122779256 |  |  |  |  | Property Type | Single Family Attached | 2 Family |
| 122614329 |  |  |  |  | Property Type | Single Family Detached | Single Family Attached |
| 122015791 |  |  |  |  | Property Type | Single Family Attached | 3 Family |
| 122945711 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 122373908 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 28.126 | 31.33549 |
| 122061307 |  |  |  |  | LTV Valuation Value |  |  |
| 122633024 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 122855996 |  |  |  |  | Borrower First Name |  |  |
| 122619373 |  |  |  |  | Property Type | Single Family Detached | 2 Family |
| 122785700 |  |  |  |  | Property Type | Single Family Attached | 2 Family |
| 122671819 |  |  |  |  | Property Type | Single Family Attached | Single Family Detached |
| 122301937 |  |  |  |  | # of Units |  | 1 |
| 122030765 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 35.454 | 39.05029 |
| 122166315 |  |  |  |  | Note Date |  |  |
| 122166315 |  |  |  |  | First Payment Date |  |  |
| 122166315 |  |  |  |  | Maturity Date |  |  |
| 122154328 |  |  |  |  | Note Date |  |  |
| 122154328 |  |  |  |  | First Payment Date |  |  |
| 122154328 |  |  |  |  | Maturity Date |  |  |
| 122388173 |  |  |  |  | Note Date |  |  |
| 122388173 |  |  |  |  | First Payment Date |  |  |
| 122388173 |  |  |  |  | Maturity Date |  |  |
| 122816643 |  |  |  |  | Note Date |  |  |
| 122816643 |  |  |  |  | First Payment Date |  |  |
| 122816643 |  |  |  |  | Maturity Date |  |  |
| 122452159 |  |  |  |  | Note Date |  |  |
| 122452159 |  |  |  |  | First Payment Date |  |  |
| 122452159 |  |  |  |  | Maturity Date |  |  |
| 122452159 |  |  |  |  | LTV Valuation Value |  |  |
| 122643307 |  |  |  |  | Representative FICO | 758 | 700 |
| 122437956 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 44.591 | 47.95563 |
| 122472626 |  |  |  |  | Representative FICO | 777 | 715 |
| 122634560 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.14 | 1.15 |
| 122470262 |  |  |  |  | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM |
| 122044686 |  |  |  |  | Representative FICO | 721 | 724 |
| 122163798 |  |  |  |  | Coborrower First Name |  |  |
| 122004446 |  |  |  |  | Appraised Value |  |  |
| 122004446 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 25.311 | 32.21193 |
| 122282465 |  |  |  |  | First Payment Date |  |  |
| 122282465 |  |  |  |  | Maturity Date |  |  |
| 122348667 |  |  |  |  | First Payment Date |  |  |
| 122348667 |  |  |  |  | Maturity Date |  |  |
| 122399466 |  |  |  |  | Note Date |  |  |
| 122189505 |  |  |  |  | First Payment Date |  |  |
| 122189505 |  |  |  |  | Maturity Date |  |  |
| 122263755 |  |  |  |  | LTV Valuation Value |  |  |
| 122248782 |  |  |  |  | Note Date |  |  |
| 122248782 |  |  |  |  | First Payment Date |  |  |
| 122248782 |  |  |  |  | Maturity Date |  |  |
| 122422843 |  |  |  |  | Note Date |  |  |
| 122422843 |  |  |  |  | First Payment Date |  |  |
| 122422843 |  |  |  |  | Maturity Date |  |  |
| 122376231 |  |  |  |  | Contract Sales Price |  |  |
| 122376231 |  |  |  |  | Origination Channel |  | Broker |
| 122320555 |  |  |  |  | Borrower Last Name |  |  |
| 122320555 |  |  |  |  | Coborrower First Name |  |  |
| 122320555 |  |  |  |  | Coborrower Last Name |  |  |
| 122737330 |  |  |  |  | Note Date |  |  |
| 122737330 |  |  |  |  | First Payment Date |  |  |
| 122737330 |  |  |  |  | Maturity Date |  |  |
| 122093595 |  |  |  |  | Subject Debt Service Coverage Ratio | 1.36 | 1.37 |
| 122554834 |  |  |  |  | Original Interest Rate |  |  |
| 122113849 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 32.34 | 35.34315 |
| 122307935 |  |  |  |  | Original Interest Rate |  |  |
| 122690176 |  |  |  |  | Coborrower First Name |  |  |
| 122062299 |  |  |  |  | Investor: Qualifying Total Debt Ratio | 45.5 | 42.91127 |
| 122512830 |  |  |  |  | Appraised Value |  |  |
| 122814033 |  |  |  |  | Borrower Last Name |  |  |
| 122814033 |  |  |  |  | Refi Purpose | Cash-out | Rate/Term |

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